We're a local, family-run, independent mortgage broker, serving San Jose and the greater Bay Area since 1989. We pride ourselves on providing exceptional guidance and service to all of our clients, whether you're looking to buy your first home, or if you're building a real estate investment portfolio. Along with our sister real estate company, Songs Realty, we're on a mission to help people build brighter financial futures for themselves and their families.
Every loan is a little different, but here's a general overview of the loan process for a prospective homebuyer. A pre-approval is issued by our Lender, based on your income, credit, and asset documentation. Once you find the right house, prepare an offer with your Real Estate Agent and Mortgage Advisor. Upon final approval, the title company schedules your signing appointment to close, and your keys are delivered.
Songs Mortgage is an independent mortgage broker, based in San Jose, California. We finance properties throughout the state, with a focus on loans in Santa Clara County and the San Francisco Bay Area.
Every loan is a little different, but here's a general overview of the loan process for a prospective homebuyer. A pre-approval is issued by our Lender, based on your income, credit, and asset documentation. Once you find the right house, prepare an offer with your Real Estate Agent and Mortgage Advisor. Upon final approval, the title company schedules your signing appointment to close, and your keys are delivered.
Songs Mortgage is an independent mortgage broker, based in San Jose, California. We finance properties throughout the state, with a focus on loans in Santa Clara County and the San Francisco Bay Area.
Services
It all started in a small home office in 1982.
Our company's founder, Vince Songcayawon, after fifteen years of teaching Industrial Arts in California public junior high schools, opened a real estate company to help people buy homes and investment properties.
Through several years in business, it became clear that his clients also needed help with finding good mortgages for their homes and investments, so in 1989, he opened a mortgage company to meet their needs.
With the sister companies, Songs Realty and Songs Mortgage, under one roof, he created a "one-stop-shop" for real estate investment.
Our company's founder, Vince Songcayawon, after fifteen years of teaching Industrial Arts in California public junior high schools, opened a real estate company to help people buy homes and investment properties.
Through several years in business, it became clear that his clients also needed help with finding good mortgages for their homes and investments, so in 1989, he opened a mortgage company to meet their needs.
With the sister companies, Songs Realty and Songs Mortgage, under one roof, he created a "one-stop-shop" for real estate investment.
Whether you're a first-time home buyer, or an experienced investor, we're here to help you.
Our experienced loan professionals understand the unique challenges of the Bay Area real estate market, and are ready to guide you through the mortgage process.
Here is an overview of the home buying process, to help you get started.
When you decide to buy a home, the first step is to understand what payments you can comfortably afford.
Using a mortgage calculator will help to give you an estimate of your payments, but getting pre-approved will give you a better sense of what price range of homes will work for you.
Our experienced loan professionals understand the unique challenges of the Bay Area real estate market, and are ready to guide you through the mortgage process.
Here is an overview of the home buying process, to help you get started.
When you decide to buy a home, the first step is to understand what payments you can comfortably afford.
Using a mortgage calculator will help to give you an estimate of your payments, but getting pre-approved will give you a better sense of what price range of homes will work for you.
A fraction of a percentage point can be enough to save you hundreds of dollars on your monthly payment.
Your adjustable rate might change to a rate that's higher than a fixed-rate, so it might be wise to switch.
Your property's equity can be accessed as cash through a home equity loan or a cash-out refinance.
Consolidate and save on your credit card debt by using the advantages of your mortgage debt.
Songs Mortgage is an independent mortgage broker, based in San Jose, California.
We finance properties throughout the state, with a focus on loans in Santa Clara County and the San Francisco Bay Area.
Your adjustable rate might change to a rate that's higher than a fixed-rate, so it might be wise to switch.
Your property's equity can be accessed as cash through a home equity loan or a cash-out refinance.
Consolidate and save on your credit card debt by using the advantages of your mortgage debt.
Songs Mortgage is an independent mortgage broker, based in San Jose, California.
We finance properties throughout the state, with a focus on loans in Santa Clara County and the San Francisco Bay Area.
Conventional loans are mortgage loans offered by non-government sponsored lenders.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
Refinancing a mortgage is when a borrower gets a better interest rate and/or loan term.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
Refinancing a mortgage is when a borrower gets a better interest rate and/or loan term.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
Explanation (signed and dated) of any deposits over $1,000 other than normal pay into accounts.
Mortgage Statement, Insurance Declaration Page, and most recent tax statement for all other properties owned.
The Consumer Financial Protection Bureau regulates the offering and provision of consumer financial products or services under the federal consumer financial laws and educates and empowers consumers to make better informed financial decisions.
Investopedia is a website that provides investing and finance education along with reviews, ratings, and comparisons of various financial products such as brokerage accounts.
Mortgage Statement, Insurance Declaration Page, and most recent tax statement for all other properties owned.
The Consumer Financial Protection Bureau regulates the offering and provision of consumer financial products or services under the federal consumer financial laws and educates and empowers consumers to make better informed financial decisions.
Investopedia is a website that provides investing and finance education along with reviews, ratings, and comparisons of various financial products such as brokerage accounts.
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