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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

Working with me you will discover why I have successfully built a flourishing referral-based business. I work hard to earn your trust and confidence by saying what I mean and doing what I say. Whether you are a first-time home buyer or a seasoned investor, you will find I am fair and competitive with a complete array of loan products to offer. I will be there for you throughout the entire loan process, providing continuous loan status updates, so you always know that status of your loan. My ultimate goal is to exceed all of your expectations.

I have lived and worked locally for over 20 years. I have two grown children who have blessed me with three amazing grandchildren. Family is of utmost importance in my personal life, just as nurturing enduring friendships and relationships are in my business life. I enjoy spending time with friends, traveling, reading cooking, but my true passion, is my granddaughter soon to enter high school and my new twin grandbabies.

I am a Californian, educated at San Diego State University with multiple certifications. I have been involved with Soroptimist International of the American River for over ten years, championing causes for women and girls in our community, nationally and internationally. I am a licensed affiliate with the Placer County Association of Realtors® and the Nevada County Association. I serve clients throughout all of California, specializing locally in Placer, Nevada, Yolo, Sacramento and El Dorado counties. I look forward to the opportunity of meeting and serving you for both your purchase and refinance needs!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

Testimonials

Testimonials
4.82 out of 5.0 stars
5.0
4.62
5.0
Denice
Sep 17, 2025
Ione, CA
Verified

Cheryl is the consummate professional. We have worked together many many times and she always takes great care of our clients. We recently had a particularly tough situation with buying clients who were extraordinarily sensitive to the loan process, but Cheryl patiently walked them through every step to get them to the finish line and the purchase of their dream home. I would definitely refer my clients to Cheryl again and again. -Denice Williams, Realtor, Windermere Signature Properties DRE01859562
Marshall
Apr 21, 2025
Auburn, CA
Verified

Cheryl showed great patience in guiding me through this complicated process
Nancy
Mar 24, 2025
Auburn, CA
Verified

process was efficient . Cheryl Foley is very knowledgeable and fun to work wit
Courtney
Feb 28, 2025
Verified

Cheryl is amazing! She is always available to help and I appreciate her very much. Thank you, Cheryl!
JULIA
Nov 26, 2024
Roseville, CA
Verified

Cheryl is a great communicator and always available for questions! Thank you Cheryl!
Eric
Oct 16, 2024
Foresthill, CA
Verified

It was great working with you

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #276521
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;