Business Details
44 Years
experience
Your Trusted Mortgage Partner in San Jose, CA
Founded in 1982, Songs Mortgage is a family-run, independent mortgage brokerage serving San Jose and the greater Bay Area. Our mission is to help clients build brighter financial futures through personalized mortgage solutions, working alongside our sister company, Songs Realty. With decades of combined experience, we specialize in guiding first-time homebuyers and real estate investors toward tailored financing options.Our deep local market knowledge and commitment to exceptional service have earned us trust in the community. We focus on loans in Santa Clara County and California, ensuring every client receives expert support aligned with their unique goals. Our team prioritizes transparency, ethical practices, and long-term relationships, making mortgage decisions simpler and more rewarding for families and investors alike.
Services
Home Loans
Refinancing
Investment Financing
Mortgage Brokerage
Loan Guidance
Details
- Year established: 1982
Highlights and features
- Family-run since 1982 with deep local market expertise
- Sister company relationship with Songs Realty for integrated real estate solutions
- Personalized mortgage guidance tailored to individual client needs
- Specialized focus on Santa Clara County and Bay Area financing
- NMLS-registered brokers with decades of combined industry experience
What people say
Exceptional guidance
Personalized service
Above expectations
Financial expertise
Trustworthy advisors
Services
Home Loans
We help clients secure financing for primary residences, investment properties, and second homes. Our mortgage experts analyze your financial situation to find competitive rates and terms. With local market expertise, we guide first-time buyers and experienced homeowners through the entire loan process from pre-approval to closing.
Refinancing
Our refinancing solutions help homeowners reduce monthly payments, shorten loan terms, or access equity. We evaluate current mortgage terms against market conditions to optimize your financial position. From rate-and-term refinancing to cash-out options, we provide clear guidance for improving your existing loan structure.
Investment Financing
We specialize in financing solutions for real estate investors seeking to expand their portfolios. Our services include loans for multi-family properties, commercial investments, and fix-and-flip projects. We offer tailored programs with flexible underwriting to support both new and experienced investors in achieving their property acquisition goals.
People
Vince Songcayawon
President / Broker
Founder with over 40 years in real estate and mortgage industries. Teaches financial literacy and investment strategies to clients. Holds NMLS #315418 and CA DRE #01247542.
Melinda Collins
Senior Loan Processor
Experienced loan processor with specialized expertise in mortgage documentation and compliance. Holds NMLS #315418 and assists clients throughout the loan approval process.
Questions
What mortgage services does Songs Mortgage offer?
We provide home purchase loans, refinancing options, and investment property financing tailored to California residents and Bay Area markets.
Are you licensed to operate in California?
Yes, we hold CA DRE license #01247542 and NMLS registration #315769 for mortgage brokerage services statewide.
How do you help first-time homebuyers?
We offer specialized programs, down payment assistance guidance, and personalized education to help new buyers navigate the mortgage process.
Can you assist with real estate investment loans?
Yes, we specialize in financing solutions for rental properties, multi-family units, and commercial real estate investments in Northern California.
What are your business hours?
We're open Monday-Friday 9am-6pm, Saturday by appointment, and closed Sundays at our San Jose office location.
