Mortgage Financing for All Kinds of Borrowers and Situations


Foley Mortgage. Celebrating 60 Years.

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.


E. F. Foley & Co., a small mortgage office on Lincoln Avenue in Willow Glen
Eugene Foley


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

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

  • Conforming Loan

    Conforming loans meet Fannie Mae and Freddie Mac guidelines and have maximum loan amounts of up to $765,600 (high balance 2020) 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, Foley Mortgage offers jumbo loans with loan amounts above the conforming amount.

  • Federal Housing Administration

    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 the equity of your home and take cash out, in the form of a monthly check. Use this money for bills or living expenses with no monthly mortgage payments.

  • Veterans Affairs

    Thank You For Your Service. A VA loan is a mortgage loan guaranteed by the Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists and select surviving spouses (provided they do not remarry) and can be used to purchase single-family homes, condominiums, multi-unit properties and new construction.


Professional Memberships


What People Say about Foley Mortgage


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

We recently refinanced our home through EF Foley. I was tired of dealing with the big banks and wanted a local company this time. Cheryl and Kory were very professional and quickly got things done. The whole process was painless and it felt like we were working with family. We got a great rate that was better than I was expecting, I would use them again in an instant. They looked out for our best interest, I highly recommend them for next mortgage or refi.
Lou E.
San Jose, CA


We were referred to Cheryl at EF Foley to broker our first mortgage and we couldn't have been happier with her service. Always available to answer questions and offer advice, she really made the process simple and comfortable for us. We will be in contact with Cheryl again if the need arises and recommend her without hesitation :)
Nathan B.
San Jose, CA

I recently purchased a home and used EF Foley for my mortgage broker. Now I see why they were so highly recommended to me by a friend. Charlene and Cheryl were with me every step of the way with the process. They kept me informed. They looked out for my best interests. Way above and beyond what I would have expected. I highly recommend them for your next mortgage.
Salim M.
San Jose, CA