San Pedro & ILWU: We Speak "Port" Fluently

If you work at the Port of Los Angeles, you know that hard work pays off. But when you walk into a big national bank for a mortgage, they often see "variable income" or "shift work" and get confused. They don't understand the stability of the ILWU.

At S.O.S. Loans, we specialize in San Pedro. We know how to read a longshoreman's paystub. We know that overtime and shift differentials are part of your life, not "high risk." We fight to get you the rate you deserve.

Broker vs. Credit Union: The Honest Truth

We love the ILWU Credit Union. They do great work. But they are a single lender with a single set of rates. As a Mortgage Broker, we shop 50+ lenders to beat them.

Smart Moves for San Pedro Homeowners

San Pedro is evolving. Here is how your neighbors are using their equity:

• The "Pedro" Remodel: Update historic homes in Vinegar Hill or Old San Pedro without losing their charm. Cash-out refinancing is often tax-deductible* for home improvements.
• Investment Properties: Many ILWU members use their primary home equity to buy rental units in Long Beach or out of state for retirement income.
• Debt Consolidation: Clean up high-interest debt from slow seasons or strikes to smooth out your monthly cash flow.

We Know Your Neighborhood

We serve the entire Peninsula:

*Consult a tax professional regarding deductibility of interest.