Songs Mortgage consultation with clients illustration

With a little help from your friends

Our expert guidance will help you find the right mortgage solution for your needs.

California Mortgage Rates

Source:, updated daily

Our Company

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.

The Loan Process

Every loan is a little different, but here’s a general overview of the loan process for a prospective homebuyer.

documentation icon of three documents
Complete our online application.
rates icon of the numbers 15 and 30 in boxes

Consult with our expert mortgage advisors to understand your options.

pre-approval icon of a document with a checkmark

A pre-approval is issued by our Lender, based on your income, credit, and asset documentation.

house shopping icon of three houses

Once you find the right house, prepare an offer with your Real Estate Agent and Mortgage Advisor.

signing icon of a pen and signed document

If your offer is accepted, you and the seller will sign a contract.

key delivery icon of keys on a keyring

Upon final approval, the title company schedules your signing appointment to close, and your keys are delivered.

Client Testimonials

We Can Work It Out
Whether you’re buying or refinancing, we’re with you, every step of the way.