Early Delinquency Intervention

Facing Money Problems?


Major life changes such as loss of a job, illness or divorce can leave a person facing financial difficulty. Taking action right away is essential in reducing the possibility of foreclosure.

  • Don’t ignore the problem.
  • Call us and let us know as soon as you have a problem: (408) 264-9000 or Toll Free (844) 772-0058.
  • Open and respond to our letters.

If you are receiving late notices from Foley Mortgage, you need to contact us and let us know the circumstance that caused you to fall behind on your mortgage payment. Don’t wait until it is too late. The sooner we can work with you to get you caught up the better.

Each work-out program will be reviewed on a case by case basis.

Some of the options that may be available are:

  • Reinstatement
  • Repayment plan
  • Forbearance
  • Loan modification
  • Foreclosure
  • Sale of the property

Below is a list of the financial information you should collect before you call us to discuss possible options:

  • Income documentation
  • A list of monthly expenses
  • Current debt

Helpful Resources


U.S. Department of Housing and Urban Development (HUD)

Tips for Avoiding Foreclosure

Info on Avoiding Foreclosures in California

HUD Approved Housing Counseling Agencies

HUD toll free counseling number:
(800) 569-4287 or TDD (800) 877-8339

Resources for finding a real estate agent:

Santa Clara County Association of Realtors
http://sccaor.com

California Association of Realtors
http://www.car.org

Foley Mortgage
(408) 264-9000 or Toll Free (844) 772-0058

We are an Equal Housing Opportunity Lender. Real Estate Broker, Licensed by the California Bureau of Real Estate 00824971 NMLS 240664.

What People Say about Foley Mortgage


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

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


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

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

E. F. Foley & Co. was founded in 1957 by Eugene F. Foley and incorporated in 1980. In 1993, Eugene sold the Corporation to his son and daughter-in-law who continue to operate the business today. In 2016, E. F. Foley & Co., Inc. began doing business as Foley Mortgage. California Department of Real Estate 00824971, NMLS 240664. Pamela Foley, Broker: DRE 00949609, NMLS 350289. Equal Housing Opportunity Lender.

 
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