First Time Homebuyers

Being a first time home buyer may seem overwhelming, especially in the Bay Area where homes are so expensive. You may be asking yourself – is it really worth it? Here are the primary benefits:

  • Control Your Future

    As a homeowner, you won’t have to worry about rent increases or being asked to move out. Create pride of ownership as you customize the look and utility of your home to your lifestyle.

  • Build Home Equity

    Grow your assets as you gain equity in your home. Take advantage of increasing real estate values and look forward to the day when you pay off your mortgage.

  • Tax Benefits

    The mortgage interest on your property may be tax deductible. This deductibility is an important consideration when comparing the cost of renting versus owning. (Consult a tax advisor regarding the deductibility of interest.)

  • Build Your Credit

    Create a strong credit history by making on-time mortgage payments.

First Time Homebuyers drinking champagne.

Foley Mortgage can help you achieve home ownership by guiding you through the myriad of loan programs available.

  • Let us help you find the loan program that fits your specific needs.
  • Ask us about first time homebuyer assistance programs!
  • Get pre-qualified for a loan, as a result your offer could get better consideration when making an offer.
  • Call us at 408-264-9000

Need a Realtor?

We also provide real estate services for selling or buying property in the Bay Area.

Call us at 408-264-9000 or fill out our contact form.

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


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