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Foley Mortgage Group


Since 1957

Hard Money Loans

Foley Mortgage is a direct hard money lender (private money). We originate, underwrite, fund and service loans right here in our San Jose office. Call now with your scenario (greater San Francisco Bay Area only).

Home Loans

Ready to purchase a home? Wondering if a refinance makes sense? Let Foley Mortgage guide you. Foley Mortgage has been helping people finance homes since 1957.

home loans


Foley Mortgage has been providing trust deed investments since 1957. We pride ourselves on our reputation of honesty and integrity.

E.F. Foley & Co., Inc. DBA

When Eugene F. Foley (Gene) opened his small mortgage loan office on Lincoln Avenue in 1957, he had no idea of the enormous impact that his company would have on so many lives for so long. Gene arranged home loans for families, financed small businesses with real estate loans and offered income to grateful investors.

He was a fixture on Lincoln Avenue in Willow Glen (San Jose) for more than 30 years. Gene was a community leader with a reputation of honesty and integrity.

E.F. Foley & Co. flourished throughout the 60’s and 70’s, eventually incorporating in 1980. By 1989, E. F. Foley & Co., Inc. had outgrown its Willow Glen office and moved into a new office on The Alameda in San Jose. By then, Pam Foley, Gene’s daughter-in-law, had been working at E. F. Foley & Co., Inc. for several years as a loan officer.

mortgage loan

*Trust Deed investment interest rates and principal are not insured or guaranteed.  Rates quoted are an estimate based on current programs as of 5/28/19 and may change without notice.

Loans we Offer

  • Hard Money Loans (Private Money)

    Loan brokers and borrowers often turn to private money for transactions that fall outside of the more restrictive, conventional loan programs offered by banks.

  • Home Loans

    Foley Mortgage Group has been helping people like you finance homes since 1957.

  • Conforming Loan

    Conforming loans meet Fannie Mae and Freddie Mac guidelines and have maximum loan amounts of up to $726,525 (high balance 1/1/19) in many counties.

  • Adjustable Rate Mortgage (ARM)

    If you are planning to move or refinance in the next 5 to 7 years, an ARM could save you thousands of dollars over a traditional fixed rate loan.

  • Jumbo Mortgage

    To accommodate those of us who live in these high cost areas, many lenders offer jumbo loans with loan amounts above the conforming amount.

  • Federal Housing Administration (FHA)

    FHA insured programs offer loans with as little as 3.5% down. A borrower may qualify with the help of a non-occupant co-borrower such as a parent.

  • Reverse Mortgage

    A reverse mortgage allows you to tap into that equity and take cash out of your home with no monthly mortgage payments.

  • Veterans Affairs (VA)

    VA loans have programs with low or no money down and jumbo loan amounts that exceed many other sources.

Professional Memberships


What People Say about Foley Mortgage

“We have been using E.F. Foley for more than 3 investment properties. They are very reasonable, reliable and considerate. Pam, Michael and their staff are all very friendly and honest. They send an expert out to look at the property and will also give some very useful suggestions. Their interest rate is very reasonable as a hard money lender. We have had many deals from them in these two years and will definitely continue to use them. If you have difficulty getting loan money from a regular lender and have some good deals you would like to close in a short time, choose E.F. Foley. They are the best!!!”

Vienna L.Daly City, CA

“I used E. F. Foley for an investor loan three times in the last five years. Cheryl Mehe’ula was very helpful in processing my loans. She was always available to discuss options and help me analyze my needs. E. F. Foley has been quite helpful in helping me implement my investment plan.”

Veronica S.Capitola, CA

“I have done a lot of business with EF Foley regarding my home loan and refinancing, mainly working with Cheryl, who is the best at what she does. She is always available to answer questions, is friendly, and knows her stuff. I have also gone in just to have Charlene notarize documents for me. The entire staff is completely professional and knowledgeable. Most important of all, they are trustworthy. The office is small, but their team has the best in the industry imho.”

Shay M.San Jose, CA

“I re-financed my mortgage with EF Foley recently. I also re-financed with them about two years ago. I was very happy both times. The process was smooth, quick, and professional. I was very happy with the service I received and the new mortgage.”

Andrea W. San Jose, CA