Loan Officers

DRE #1753834
NMLS #278442

 

Francesco Foggia is an experienced real estate professional specializing in providing creative residential, commercial, and development financing solutions in Southern California. In 2005, Francesco joined CS Financial, Inc., where he currently serves as a Senior Loan Consultant.

 

Francesco began his career at such diverse companies as Salomon Smith Barney, Daewoo Corporation, and Northwestern Mutual before transitioning to real estate finance at Credit America Financial Services as a private mortgage banker.  Applying his background in financial management and marketing to the mortgage industry has earned him a reputation for providing innovative lending solutions and delivering dedicated personalized service. Now at CS Financial, Francesco's reputation has allowed him to partner with the top CPA's, financial planners, and real estate agents and developers in Southern California.

 

A longtime Southern California resident, Francesco earned his B.A. in Business Administration and Management from California State University at Northridge. When not closing deals, he can be found practicing martial arts, on the basketball or tennis court, or winning a round of Cranium.

 

 

Testimonials

 

”As one of the most successful real estate agents in Beverly Hills and Hollywood, I understand first-class service: my clients expect nothing less than the best.  And when the time comes to secure financing to close the deal, I turn to Francesco Foggia. Francesco's commitment to customer service has exceeded both my and my clients' expectations each and every time. Despite a difficult lending environment, his constant communication, availability, and willingness to educate clients on every stage of the lending process has made every deal a satisfying experience. I pride myself on only working with the best, and can assure you that I will continue to partner with Francesco on my most-important deals!” 
 

Josh Altman, Million Dollar Listing / Bravo Network Hilton
Hyland Real Estate
www.thealtmanbrothers.com

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"My husband and I recently purchased a vacation home in Oxnard, California. What we thought would be a quick and easy transaction, turned into a long, complicated ordeal for a number of reasons. First, the economic crisis had reached it's boiling point...our (former) financial advisor quoted us an interest rate in the high 7's. [...] Finally after our realtor referred us to Francesco Foggia at CS Financial, we knew our fortunes were about to change. [...] It was only days before he came back to us with a jumbo loan with an interest rate a full 2 points below what we'd been quoted by others.

Once in escrow, we learned that the IRS had placed a lien on the property and we were now 'on standby.' [...] The fact that Francesco was able to extend our loan over and over, at no cost to us, smack in the middle of the mortgage meltdown was almost miraculous...working with him was by far the easiest and most enjoyable part of the entire experience.

The close of this escrow is not the last time we will be working with Francesco. Success is all about aligning yourself with the right advisors, and Francesco is clearly a star player on our team." 

Debbie Miller
Executive Vice President, Worldwide Marketing
20th Century Fox
 

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"Francesco was a pleasure to work with. He is organized, hard working, and accommodating. I would refer friends and family to him."

Mike Caren
President, Worldwide A&R, Warner Music Group

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”Dear Francesco,
 
I wanted to thank you for the fantastic job you did for my wife and I to help us purchase our home.  We couldn’t have asked for a more easy-going professional to educate us in the entire financing process, and you made a daunting, difficult task seem easy and polished.  You always gave my wife and I the trust we hoped for while securing our home loan, and we will definitely refer many of my colleagues at Cedars Sinai Hospital and St John’s Hospital to you in the future. 

Thank you again for your sound advice, professionalism, courtesy, and never-ending enthusiasm in helping Jill and I move into our new home.”

Andrew T. Cohen, M.D., FACS
Chief, Division of Plastic Surgery Cedars Sinai
Board Certified Plastic Surgeon
www.andrewcohenmd.com

____

 

"Francesco Foggia helped navigate our deal...in fact two deals now; one refinance, one purchase-with the utmost expediency.  My husband and I are extremely busy and Francesco has been very conscious of expediting our mortgages with ease and efficiency. He consistently went beyond what we expected from a mortgage broker. He locked in a great rate, sold us exactly what we wanted with nothing hidden.  I will be using Francesco for my next deal."
 

Raelle Tucker
Co-Executive Producer
"True Blood"

 

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“Francesco made the daunting task of buying a home as easy as it could possibly be. He was able to lock in the best rate without any surprises at closing. My wife and I are both extremely busy and Francesco’s professionalism, personal approach, and flexibility to our schedules were refreshing qualities to find in a mortgage broker. We have already referredFrancesco to several of our friends and will not hesitate to continue to do so in the future."

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Dear Francesco,

I want to compliment you and your office for the manner in which you handled my recent refinance of my mortgage. You completed the process without any hassle and "on time." I am very pleased and hopefully, will be in a position to refer clients and friends when they are seeking financing.

Very truly yours,

George R. Royce, Esq.
Beverly Hills, California

_____

"Francesco is a consummate professional, in terms of both expertise and customer service.  I recently refinanced my home, and Francesco made the process far simpler and less time consuming than I had expected.  And he was able to get me a great rate, which was the motivation to refinance in the first place.  I will certainly recommend Francesco to friends and family in the future." 

 

Michael Jay
Partner
Boies, Schiller & Flexner LLP
UC Berkeley School of Law, Class of 2002
 

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“Francesco Foggia is a miracle worker! When faced with the daunting task of obtaining a loan for a very in demand local triplex, which involved the participation of our daughter, a first time home owner, he made the process easy and stress free. A consummate optimist, Francesco shepherded all of us through the steps, succinctly explaining each detail to our daughter and educating her parents in the process. Francesco was never too busy to drop paper work off at my office and a return phone call was always just minutes away. From initial contact to the delivery of our keys, our deal took less than six weeks----and Julia is now a very happy homeowner, thanks greatly in part to Francesco."

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“Francesco made the process of applying for and qualifying for a mortgage loan about as painless as anybody could.  He was always delightful to deal with, took time to explain everything and was legitimately caring about our situation.  We will not hesitate to go back to Francesco when we make our next purchase."

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“When I was getting ready to make an offer on my new home, friends kept coming up to me and telling me that if I wanted to get the best mortgage, I had to call their guy. Everybody had a guy whose rates couldn’t be beat. Well, it turned out that Francesco was the guy whose rates couldn’t have been beaten. In fact, when I brought his rates to other brokers, they told me that they couldn’t match it. But, it didn’t end there. Francesco was always accessible, responsive and extremely professional. He ensured that every step of the loan process went smoothly and moved expeditiously. Since that time, I have referred several friends, colleagues and clients to Francesco and each and every one of them has thanked me profusely.”
 

William Mercer, Partner
Thruline Entertainment
Beverly Hills, CA

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"As everyone knows, we all think we have 'the guy,' when it comes to financing our home. Boy was I wrong. After a couple of very unpleasant experiences, I turned to a colleague for help. After hearing him go on and on for ten minutes about how great 'his guy' Francesco Foggia was, he emailed him to introduce us via email. I received a response immediately and a meeting was set up to discuss my situation.

 

Within 2 weeks, everything was done. I was so impressed with Francesco's professionalism, attention to detail and he always made us feel like we were his top priority.

 

I am so grateful that I was referred to Francesco Foggia and grateful to him for the refinancing of our home."

 

Sincerely,

Marc Hamou, Talent Manager
Thruline Entertainment
Beverly Hills, CA

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”You are amazing! Thank you for all of your incredible attention, hard work and diligence. You are a wonderful asset!” 
 

Sally Forster Jones, Realtor
Coldwell Banker Beverly Hills Office
#1, CB Beverly Hills Office
Top 25 Internationally for 2006-2012
www.sallyforsterjones.com

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"Francesco, our office staff can't stop talking about you, praising the work that you have done on the escrows we have with you as the mortgage broker!  It is our pleasure to recommend you because you really get the work done, while conscientiously over-seeing each aspect of the client's interest!  Many, many kudos to you, and many thanks for the great working relationship we have established!"

Dup Peirce
President,
Canon Escrow
Beverly Hills, CA
www.canonescrow.com
 

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“If you need to get a deal done in today’s tight credit market, Francesco is your guy. He works tirelessly on every detail until the deal is closed and doesn’t miss a step. We highly recommend Francesco.”

Stacey Karr, Vice President
Acquisition Marketing, DIRECTV
 

Ari Rosenson, Regional Culinary Director
Executive Chef de Cuisine
CUT & Sidebar
Beverly Hills, Ca

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"Dearest Francesco,

It is the eve of celebrating my very first THANKSGIVING as a new HOMEOWNER.   It is with such great honor and pleasure that I express a very deep THANK YOU to you for the work you did in ensuring that my dream of purchasing a home become a reality.  I have been traveling and working quite a bit since closing, but you were in my thoughts every time I had a moment to return home and turn the key in the doorway.   It is still a very surreal feeling for me, and you were incredibly instrumental in championing and encouraging me towards the exciting moment of actually closing the deal.  I would gladly recommend you to anyone I know who is in the market to buy a home.  You were incredibly knowledgeable, very responsive to every inquiry (which were many), you spoke in terms that were novice friendly, you listened to my requirements, needs, challenges, and devised a strategy that would ultimately result in a favorable outcome for all.  Your personality grabbed my heart from the very first phone call we had, because I hung up feeling like I was in the safe hands of a friend I could trust. I am very grateful that KISHAYA PERRY, my fantastic realtor, introduced us.  She was very confident in your ability to get my loan approved with favorable terms and in a timely fashion.  Both you and her have made a believer out of me also in your talent.  As an actor, it can be very intimidating to consider the option of home ownership since our income can be so unpredictable.  I am pleased to testify that you helped me to shatter that fear and jump that hurdle, and armed me with a way to preserve more of my finances now that I am a home owner. Much Gratitude to you and your team!!!!"

 

Thankful Always,
Aisha Hinds
Actor

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”Francesco,
In this current environment of mistrust and failure of the mortgage lending industry, I am sure you feel pressure and stress from the banks and your clients. However, you portray such a professional and enthusiastic approach to your clients. I admire and respect your diligence to serving the client and not your own needs. In these tough times, you are challenged every day in trying to help your clients reach the American Dream. No one understands that better than me. I have referred you several clients and you have taken care of all of them with dignity regardless of loan size. I have noticed that you possess attributes such as being thorough, honest and responsive; hold on to these, they will serve you well. I will, without hesitation, refer you to anyone that inquires. Thank you for your efforts and your friendship. I wish you continued success.”

Radhika Dholakia
SVP/Chief Banking Officer
Wedbush Bank

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"Thanks to Francesco's helpful rate sheet and emails, we managed to catch an extremely low rate when we were looking to refinance our house. And thanks to his persistent efforts with the lender, we managed to lock in the loan and are now saving a bundle each month. He was calm and cool throughout the whole process, and was extremely responsive to my calls and questions throughout. When the bank, which had supplied my original mortgage, asked what rate we had locked in, the banker just said, "Take it, we can't match that." 

Matthew E. Sloan, Esq.
Partner Skadden, Arps, Slate, Meagher & Flom LLP
Harvard Law, 1991

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"As a first-time home buyer and attorney, Francesco provided me all the information I needed to finance the purchase of my home with brevity and was available around the clock to address all of my questions and concerns.  He was cognizant of my work schedule and time constraints, and walked me through the entire process so that I never felt overwhelmed. Remarkably, Francesco made the tedious process of home financing seem simple, and secured a very competitive interest rate on my home loan.  Thanks to him, I will save thousands of dollars in the long run and will do so in the comfort of my new home! Francesco's honesty, integrity and intelligence are all top-notch and I will be referring him to my closest friends, colleagues and family without hesitation."

 

Gia Skoumbis
Associate
Skadden, Arps, Slate, Meagher & Flom LLP
Berkeley Law, 2007

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"Whit, thanks for introducing me to Francesco. The timing was great as I was in the process of increasing my home equity line. Francesco was able to get me the maximum amount at the most competitive rate. He worked hard to get me through to closing as quickly as possible. With his efforts it was pain free. Reminds me of the high level of service you provide. Thanks again. Matthew"

Matthew Spain
Managing Director
UBS Investment Banking
Mergers & Acquisitions

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We've been looking for houses since we moved back to Los Angeles 7 years ago.  Finally, the market cooperated a bit and we were in the position to buy our first home.  After speaking with several mortgage brokers, we were introduced to Francesco as someone who would take care of us.  I could not imagine going through this process with anyone else. 

Francesco is extremely professional and worked very closely with our agent to make the entire loan process as pain-free and seamless as possible.  He spent time on evenings and weekends working with me to pull all of the appropriate information, provide all of the right context, and - most importantly - get us the best deal possible on our loan.  Francesco took full ownership of the entire process and was a powerful advocate with escrow, lenders, etc. to make sure the process flowed as smoothly as possible. 

Francesco is obviously passionate not only about his business, but also about his clients.  Customer service is his focus and his strength.  I look forward to a long professional relationship and friendship with Francesco and plan to use him on what will hopefully be many future transactions.  I could truly not be happier with the guidance and service he provided to our family and will recommend him without hesitation to friends and family.   

Gabi Loeb
Finance Director
Bestbuy/Napster
Harvard Business School Alum, 2002

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"I highly recommend Francesco Foggia. I am a very busy physician and businessman. I needed to buy a bigger house in order to have a bigger tax shelter. I had 20% down and a good credit score, but the problem with my application was that I had a lot of business debt, not to mention, I was trying to buy a house at the beginning of the credit and financial meltdown. Francesco not only found a creative way to diminish my personal debt on paper, he also researched the solvency of the mortgaging institution to make sure they would be able to come through if they said they could. In the end, Francesco got me a jumbo loan for only 10% down and I closed escrow in less than 30 days. Truly Amazing. I have never dealt with someone as skilled and professional as he."

Luis Moreno, MD
Harvard Medical School Alum, 1997
Los Angeles, California

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"Hi David:

I wanted to write you to thank you so VERY much for connecting me and Lori up with Francesco Foggia.  As you know, we are veterans of many purchase and refi mortgages, and I can say without qualification that Francesco is the most conscientious, energetic, persistent, and effective advocate for his clients whom we have ever encountered. 

You may be hearing from your other long-term clients that despite pristine credit ratings and more than sufficient incomes to warrant loans, the lenders these days seem to be panic-stricken and look like they will go to any length NOT to write a loan, or to stall things to the point of madness or outliving a rate-lock guarantee.  This latter issue came up for us, and Francesco saw to it that we were not penalized or charged, and that we closed with just the terms he had offered us up front.  Francesco personally delivered some of the documents, personally attended the final document signing session at our home, and seemed to work night and day to make this deal go. 

We would endorse enthusiastically your continued referral of clients to him; you and they can expect truly value added service.

Thanks, again.  We'll be in touch soon as it appears tax season is upon us!

Appreciatively,

Tom"

Thomas Strouse, MD
Professor of Clinical Psychiatry
Maddie Katz Endowed Chair in Palliative Care Research & Education
Medical Director
Stewart and Lynda Resnick Neuropsychiatric Hospital at UCLA
Vice-Chair for Clinical Affairs
Department of Psychiatry and Biobehavioral Sciences
David Geffen-UCLA School of Medicine

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"When I needed a super-jumbo cash-out refi completed in 45 days, in walked Francesco Foggia. Not only did he work nights and weekends to close the deal, he did it in THIRTY DAYS. That’s amazing in and of itself—AND he saved me tens of thousands of dollars in the process. I will definitely be referring my clients and friends to Francesco for all their real estate financing needs. Thank you Francesco!" 
 

Brian Kingman
Managing Director
Gallagher Entertainment Insurance Services
Arthur J. Gallagher & Co. Insurance Brokers of California, Inc.

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"It has been an absolute pleasure working with Francesco.  The service and attention that we received were exceptional.  Francesco is honest and I always feel confident that he will point me in the right direction and do what is in my best interest.  He is extremely organized and knowledgeable and is on top of his game which has saved me a lot of time in the process. Francesco's dedication was demonstrated by his arrival to our residence late at night while recovering form a cold to discuss loan planning the night our escrow opened.  On another occasion, he came to our residence at 9am on a Saturday morning to accommodate my busy schedule. His strong work ethic and competence is matched by his charisma and professionalism. I would recommend him without hesitation."

Mani H. Zadeh, M.D., FACS
Otolaryngology - Head and Neck Surgery
www.ZadehMD.com
www.LASinus.com

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"Positive - Passionate - Patient - Professional: four words that come to mind with respect to Francesco Foggia.  As first-time home buyers, we were pleased with Francesco's level of service and professionalism.  He was very responsive to our many questions and concerns. His positivity is contagious, and in our mind, one of his unique qualities that distinguishes him from the rest.  We look forward to working with him again in the future. We strongly recommend Francesco to all of our colleagues and friends." 

Kayvan Iradjpanah
Attorney
Littler Mendelson PC
 

Ghazal Tajmiri
Attorney
Orrick, Herrington & Sutcliffe LLP

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"My wife and I recently refinanced our home in Pasadena. Not only are we delighted with the substantial savings that resulted, but have come out of the experience with some fond memories.

I have been through two mortgage loan processes in the past and was girding myself for yet another long, dreary procedural slog. But, I had never worked with Francesco Foggia before.

Yes, all the same routines needed to be followed, but Francesco's energy, warmth and enthusiasm put the experience in a whole new light. Not only is he a superb and knowledgeable professional, he is a deft facilitator, unflagging energizer, and a caring coach. I can't recommend him highly enough."
 

Patrick Dunavan
HealthQuest Media

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"It has been a pleasure to work with you on the recent refinancing of our home loan. Your professionalism, knowledge and winning personality made what is normally a painfull process into a piece of cake. I am pleased to recommend your services without the slightest hesitation." 

Jeff Lloyd
Managing Director
Sitrick Brincko Group

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"When it comes to development projects, Francesco Foggia goes above and beyond the call of duty. He's available 7 days a week, and builds a strong rapport with our potential clients by educating them on the entire lending process. Francesco's dedicated professionalism, charismatic personality and strong understanding of current guidelines and programs make him a great resource and fantastic addition to any team!

I look forward to working with Francesco again in the coming months on my new 20-unit luxury condo development on Doheny in Beverly Hills, as well as the Beverly West, a 35-unit premiere high-rise building rising above the North and South Course fairways at the Los Angeles Country Club." 

Brian Adler
President
Beverly Park Development Group

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"Francesco has been an important part of my team for nearly 3 years now and has never, ever, let me or my clients down and has delivered as promised time and time again! I have reached him in an emergency 7 days a week, 24 hours a day. Francesco, you have been there for me and my clients and have shown us the difference between a loan consultant and an expert - you, my friend, are an expert." 

Suzanne Grace, Realtor
Prudential California
Chairman’s Award Winner 2008
President’s Circle 2007
www.thousandoaksdreamhomes.com

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"As a national award-winning Realtor, I understand the importance of providing quality service for my clients. Selecting affiliate services that provide the same level of service can be a challenge. Francesco has time and time again provided the highest level of service, professionalism and results that makes him the “Go-To” lender for my clients.  Personal, timely and attention to detail are just some of the qualities to describe Francesco’s work efforts. We are all working with the constant changes within the lending world and yet Francesco always seems to be one step ahead of the situation.

My achievements are directly related to the service level my clients receive and Francesco plays a significant part of this success.  I continue to use and recommend Francesco for one simple reason: he provides the best service available.

Brett Farwell, Realtor
Prudential California Top 100 Agents in San Diego
Top 15% Nationwide Since 2004
www.brettfarwell.com

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"I just wanted to tell you what a tremendous help you have been securing the financing for my new home. You were on top of things from start to finish and handled everything with the utmost professionalism. I will certainly thank Whit Whitmore for referring me to you. It has been terrific working with you!"

Lucas Grabeel, Actor
High School Musical, HSM2, HSM3: Senior Year, Milk

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"Thank you very much for your great services in securing my refinance.  It was smooth, easy and handled in a very professional manner."

Louis A. Reisman
Partner Weinstock, Manion, Reisman, Shore & Neumann
Century City, CA

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"Thanks for putting us in touch with Francesco, it was a great experience working with him!

We ran into minor issues / delays here and there, given all the current regulatory requirements, but it was great having Francesco continually pushing things through for us.  He did a fantastic job alleviating our stress, shielding us from as much of the chaos as possible, and making sure everything got done as quickly as possible.  As of today, we're officially the owners of our first home!

Thanks again!"

Neil Sheth
Chief Technology Officer
Experience Project
San Francisco, CA

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"Francesco is a fabulous bundle of young ambitious energy and he goes the extra mile (literally - sometimes many miles!) to make the client happy and to get the deal done!  When other Lenders say "no-can-do", Francesco says "yes I can" and he gets it done!"

Jennifer Niman, Realtor
Prudential California
Sherman Oaks, CA

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"Francesco Foggia – Takes a personal approach. In a numbers oriented business Francesco caters to the personal and often emotional aspects of lending while still obtaining the best deal for his clients. I find his ability to obtain the most beneficial financing combined with the criteria of the client a winning combination. His professionalism and knowledge makes Francesco heads and shoulders above the masses."

Tim Jahnke, Realtor
Prudential California
Beverly Hills, CA
 

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"Hello Dave,

Many thanks for recommending Francesco Foggia  to handle our refinance. We worked swiftly and very well together in finalizing this loan, and we accomplished this without the aggravation usually associated with refinancing. He called earlier to notify us that the loan funded!

Don't hesitate to recommend him to other clients. Michele and I wish you a Merry Christmas and thank you again.

Tony Moccia

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"We have worked with Francesco to refinance two of our properties, and most recently, to finance the purchase of our new home.  We had already been very happy with our experience with our refinancings; however, our experience with Francesco in getting our new home loan blew us away.   

Francesco is the utmost professional.  He is available 24-7, always up-to-speed on the mortgage situation, and importantly, your own personal situation.

For our new home loan, he truly pulled some miracles.  We needed the loan approved, documented and funded within an impossibly short timeframe so we could close.  Francesco delivered.  Without his great relationship with the bank, his persistence and organization, we would not have been able to achieve the same successful result.  Every person working on the transaction was equally impressed by Francesco.  

We have worked with other mortgage brokers and banks for financings, and the level of service and dedication from Francesco is unmatched.  We have been recommending him to our friends and family and feel confident that he’ll give them the same fantastic treatment he has given us. Thanks Francesco!"

Jacklyn J. Park, Esq.
General Counsel
Oracle Corporation

Young J. Kim, Esq.
Of Counsel / Attorney
Richardson & Patell, LLP

Partner
Olsen, Kim & Braker, LLP

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"I had been dealing with several brokers over several weeks before I was introduced to Francesco Foggia. He acted immediately to find funding for my jumbo loan during a time when jumbo loans had dried up. In addition to finding the financing for my mortgage within a very short time, the terms were a much better financial deal than the other mortgage brokers were offering."

Jay H. Brown, Esq.
Managing Partner
Brown, Brown & Premsrirut

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“Two years into the house hunting process had left something to be desired for my wife and I, so to think we had just set our eyes on our permanent home was itself a daunting realization.  Yet nothing was more overwhelming than trying to decide how we were going to *pay* for it...  

Enter Francesco Foggia.  He wasted no time on frivolities and got right to it: "look, I'm going to treat this deal like you are my *family* and I'm going to take care of you."  I'm usually incredibly skeptical of something like that (the attorney in me) but there was something profound about his confident sincerity that really made me like him and, frankly, trust him.  

I watched him work miracles in the ensuing few weeks; where others had told us we'd never be able to work it out because of our "out-of-the-box" situation, Francesco made it happen.  Not only did he work tirelessly on our behalf to get us the best deal, but he truly treated my wife and I like we were family.  

Without hesitation, I give Francesco my highest recommendation and will most definitely be working with him again!”  

Tony D'Amico, Esq.
Quinn Emanuel Urquhart Oliver & Hedges, LLP

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Dear Francesco,

Thank you so much for all of your hard work and diligence in getting my Newport Lofts loan funded! As a lawyer and a budding real estate investor, I know how difficult it can be to juggle the many competing demands you must face every day. Yet you have consistently provided me with the highest level of professional service. What's more, the level of personal attention and concern you've shown me has been truly outstanding. I especially appreciate that you consistently updated me & kept me in the loop. You returned my calls and emails immediately - even on the weekends - and even gave me your cell phone number so I could find you whenever I needed information or advice.

You have earned my absolute confidence - not something I say lightly. You handled every hiccup (and everyone knows that something will inevitably arise at some point in this process) immediately and with great professionalism - even taking responsibility for and resolving issues that you could have pushed off to someone else. You really "went to bat" for me in a way that I have not experienced before in a professional relationship and I cannot thank you enough. I am doing my friends the favor of recommending that they contact you whenever they are looking to finance property - and that is not something I do lightly either!

Francesco, you have more than earned my respect for you as a professional - I am happy to call you a friend. Thank you again for your consistent hard work on my behalf. I look forward to our continuing professional and personal relationship.

Very Best Regards,

Phyllis A. Oscar, Esq.
Real Estate Attorney
San Francisco, California

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”Dear Sally,

Ira and I want to thank you so very much for putting us together with Francesco Foggia. He has been outstanding! He has worked so hard on our behalf and has gone out of his way to help us get the lowest rate and to make it all happen. We have never seen anyone so on top of his work, so thoughtful, so thorough and so professional. He is so organized, knowledgeable, and aware of all the ins, outs and side roads of this business. I am sure we would never have been able to refinance at this difficult time if it wasn't for Francesco. It has been a pleasure working with him. We truly appreciate your referral."

Ira Mintz, MD
Marsha Mintz

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"As an experienced real estate investor, I really appreciated Francesco's ability to quickly understand my business, loan and timing needs. He quickly recommended a combination of products that exceeded my cash needs, while locking in an interest rate and duration much better than anything I could find online. What really blew me away is he then negotiated with the banks to get the rate and terms just slightly better before locking in. I have found my partner for future financing needs."

Randy Ide
President
Envision Media

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"Francesco showed me the value of going through a broker. He got me a better deal ultimately through my own bank Wells Fargo than I could get through them directly. The proof was in the final numbers."

Cody Alexander
Vice President, Video Games
William Morris Agency

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"Working with Francesco and his team was a delight, from my initial meeting to the conclusion of escrow I can safely say I couldn't have had an easier time, and that's not just my opinion but that of my realtor!"

Richard Browne
Vice President, Product Development
THQ

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"In the past 25 years, I have managed a national mortgage company, sold real estate and have been an active investor. During this time I have had the opportunity to work with many mortgage consultants. But it's not often you come across someone as dedicated to his clients as Francesco. During our relationship I have found Francesco to be extremely knowledgeable in all facets of mortgage lending. He has proven this by his ability to always choose the right product for the type of transaction being financed. He possesses excellent communication skills and always keeps me well informed during the entire process. I have recommended Francesco to all my business associates, family and friends, knowing his service is always exceptional. I look forward to my continued relationship with him."

Doris E. Johnson
Johnson & Associates
Laguna Beach, CA

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"I would like to formally express my sincere appreciation for the professionalism and caring Francesco Foggia displayed during the application and approval process of my FHA home loan.

Francesco was with me every step of the way, educating and updating me to ensure I was fully informed and prepared for each stage of the process. His dedication to his clients is a rarity in today's world.

I would absolutely recommend Francesco to anyone in need of any home loan products. I can't thank him enough for helping to make my dream of home ownership come true."

Best wishes,

Sean M. Wolpin
Manager, Human Resources
Farmers Insurance

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"In order to have success in Real Estate investing you must surround yourself with a great team of advisors and service providers. This is especially true with mortgage advisors. It is necessary to have someone that is knowledgeable and has a very large network of providers. It is key that this person works for you and your specific needs. That is why I recommend Francesco Foggia at CS Financial and his assistant Angie Vega. Francesco goes out of his way to insure you have the best available loan, specifically tailored to your own needs. He explains in detail the pros and cons of different choices. We are living in a day in age where customer service is lacking. Francesco makes sure that you are treated with the highest of sincere customer service.

Whether you are purchasing your first home or are a seasoned investor, you will be happy to add Francesco to your team as I did."

 

Reuben Salazar
Real Estate Investor
Anaheim Hills, CA

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"That lien has been voided and I have the judge's signature and a certified copy from the court house to prove it. This would have gone a completely different direction had it not been for your advice and guidance. You really went out of your way several times and gave me a lot more of your time than I deserve. I hate to admit to my own ignorance and helplessness with regards to things like this, but you proved yourself to be a rarity by doing so much more than anyone should expect you to do. You saved me $27,000 that I would have found a way to pay had you not taken the time to point out my options and to then continue walking me through the process. Again, thank you so very, very much!"
 

Darrell Abrams
LA County Office of Education

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"Dear Sirs; I wanted to send you a little note to let you know what a pleasure it was to do business with you. We think the world of Francesco. He made everything simple and easy to understand. We are now debt free. When our check was late, another was deposited in our account, thanks to Francesco's effort. Whenever I called him, he got right back to me. His professionalism and kindness is a great asset to your company! We look forward to working with Francesco in the future."

Ralph & Jamie Nazarian
Canyon Country, CA

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"After dealing very unsatisfactorily through the Private Bank with whom I have had a relationship with for over fifteen years, it was refreshing to have a Loan Broker perform in such a professional and timely manner.

Francesco Foggia successfully dealt with my financing needs regarding One Queensridge Place condominium in a prompt and professional manner. His expedited service was and is very much appreciated."

Paul Flynn
Managing Member
Airway Communications LLC

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"I am pleased to have the opportunity to recommend the services of Mr. Francesco Foggia to anyone seeking a knowledgeable, professional Loan Consultant who will spare no effort to accomplish the tasks he sets for himself and his clients. I am both a client of Francesco's and a professional real estate broker who appreciates his skill and work ethic, and I unhesitatingly refer him to my clients on a regular basis. He has a well earned reputation as a man who knows what can be done for his clients, and who works diligently to complete the project he undertakes. I believe Francesco achieves outstanding results because he works hard to create the relationships with his clients and his associates that produce the extra effort often needed to successfully complete their loans.

It's obvious he feels that every client deserves and must get his best effort, because each client's success is his success. Mr. Francesco Foggia is a consummate professional and one of the best Loan Consultants I've had the pleasure to work with during my 25+ years as a California Real Estate Broker."

Bob Helms
Cambridge Properties & Investments

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"Working in the financial services arena has taught me the importance of being able to deliver BOTH high levels of service AND a superior product. I wholeheartedly believe that Francesco excels on both fronts. I have trusted him with my mortgage and would gladly recommend his services to my clients as I have no doubt he'll provide them with the same superior experience that he provided to me."

Edward Moyzes
Financial Planner
Strategic Financial Group
www.edwardmoyzes.com

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"Francesco Foggia demonstrates the qualities one finds unique and wonderful when dealing with loans and mortgages. He is committed to his client and works around the clock to get the best for them. He responds to all your needs and questions especially taking the time to explain things when you do not quite understand. He is a genuine and pleasant individual. "

Completely Satisfied Client,
Steve and Darlene Valdez

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Francesco,

Thank you for your professionalism and excellent service during the loan process for our Las Vegas property. While rates were climbing, we were concerned that financing costs would exceed our plan. Thanks to your integrity, uncommon in the mortgage profession, you ensured that our loan was cost competitive and maintained the financing rate, as promised.

Please feel free to share our positive experience with others, as we appreciate your commitment to deliver results and exceed expectations.

I look forward to working with you on our next real estate opportunity.

Best regards,

Rob Davidson
Account Sales Manager
Oracle - Pleasanton, CA

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Dear Francesco,

Don and I want to thank you from the bottom of our hearts for the awesome job you did on getting the loan for us on our Las Vegas investment property. You went way above and beyond the call of duty in helping us get our loan.

We really appreciate all your hard work and we know that it was a very stressful and challenging loan for you to secure. Your positive, upbeat attitude and cheerful personality made this experience much easier for us to deal with. We hit a few bumps along the way that could have easily defeated us, but you didn't let that get in the way, you moved forward and found the answers!

We were most impressed with the timely manner in which you returned our calls and how you kept us informed on everything! We will definitely call you again on the next property we finance and highly recommend you to all of our friends. Thanks again for a job well done.

Sincerely,

Debbie Schuster & Don Carter
Real Estate Investors
San Jose, California

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Francesco,

Just wanted to send a quick note to thank you so much for all of your hard work on our recent second home loan. As you know, the closing of our condo unfortunately came at a trying time, as my husband has been going through some serious health problems. Having you with us on this with your professionalism and compassion and how you went to bat for us all the way, please know, is truly appreciated. We wish you much success in your future and hope our paths cross again. Thanks so much again...

Much Sincerity,

Victoria Bolt & Gary Galloway
North Hills

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Dear Francesco,

I feel compelled to write you this letter to express my thanks to you in handling my account for the purchase of my Newport Lofts unit.

It was with great pleasure to work with you. You have exemplified a great degree of professionalism and have taken this kind of service to the next level. Your follow-up calls, attention to detail, genuine concern for your clients' needs and expectations, and the smooth processing of my loan are just some of the examples of your hard work.

Thank you for your expertise and excellent work. I am very pleased with the outcome of my loan, and therefore would not hesitate to refer you to any of my friends and colleagues for their future loan needs.

Thank you once again and it was a great pleasure to have worked with you. More power to you and your company.

Sincerely,

Amy B. Ponce
President
JOAMI International

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Dear Francesco-

I want to take a moment to personally thank you for the exceptional effort you made on my behalf in successfully concluding the major funding of my mortgage.

The market conditions were chaotic, with lenders changing their requirements on a daily basis, as one mortgage lender after another failed and disappeared from the field. As a businessman with extensive experience over the years in finance matters, it reminded me of the extraordinary demise of the Savings and Loan industry in the early 1990's.

And yet in this unstable environment, you were there with sophisticated market analysis and thoughtful insights. And in the end, you delivered a complicated product package, at competitive rates, perfectly suiting my needs and requirements. Congratulations! And thanks for your perseverance in the face of the extreme adversity.

With warmest regards to you,

Geoffrey C. Beaumont

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Francesco,

I wanted to take this opportunity to thank you for your diligence and hard work on the Newport Project. Not only were you able to place the vast majority of all of the mortgages for the project, but you handled it in a timely manner and with great professionalism during a time when the mortgage markets were being strangled by the lack of liquidity. You and your team continued to push for solutions for our buyers when most others were simply giving up. Your efforts have helped make this project a ringing success, and for that we thank you. From all of us at Newport, we thank you and your team for the hard work, the tenacity and dedication you brought to this project, and most of all for being part of our team. Thank you again, and we look forward to you being part of our team in the future.

All the best and success,

Mark H. Evans
Chief Operating Officer
Seegmiller Partners
www.newportloftslv.com

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To Whom It May Concern:

At the high-end of the luxury condominium market, One Queensridge Place buyers are discriminating in who they choose to handle their financing. Francesco Foggia demonstrated the ability to cater to the distinctive needs of our purchasers while securing competitive financing packages for them.

Thank you Francesco.

Sincerely,

Queensridge Towers LLC

Frank Pankratz
President
One Queensridge Place
www.onequeensridgeplace.com

 

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Francesco,

I am writing to thank you for your exceptional work and assistance in getting my mortgage funded.  I include assistance because you didn't just do your job, you helped me in so many ways to understand, what was to me, a completely foreign process.

Always reachable and friendly, you made the experience a pleasure, and worked overtime to make sure I got what I needed, and on a fairly tight schedule as well.

As you know, I'm very picky and judgmental when it comes to people I hire, and I was very happy to have found you.  You exceeded my expectations, and I rarely find anyone who does that.

Needless to say, I would recommend without hesitation you to anyone I know looking for your services.

Thanks again for all your hard work, honesty and positive energy.

Very sincerely,

Adam Ritz
Photographer
Los Angeles, CA