Walnut Creek Branch
1981 North Broadway, Suite 255
Walnut Creek, CA 94596
As a licensed Senior Loan Officer in California (NMLS #249458), with over 16 years of experience as a professional mortgage adviser, I have developed a deep understanding of the real estate and mortgage industries and I represent my clients’ money like I would my own.
Because mortgage loan needs are so uniquely individual, I use a consultative approach with each of my clients. I search the market for all possible financing scenarios, seeking highly competitive financing for the first time home buyer to the multi-million dollar investor. I will ensure that you understand your best loan options, the potential outcomes of each, and obtain the loan that is just right for you, addressing your specific financial needs and goals. I listen intently, to gain an understanding of your specific needs, concerns, fears, and your preferences. I give you options, and explain your choices. I tell you the truth always. I return phone calls and emails promptly and stay current with the market and the latest guidelines.
I can offer a wide range of residential loan programs tailored to fit specific needs, including: Fannie Mae and Freddie Mac Loans, FHA Loans, FHA Renovation Loans, VA Loans, and Jumbo Loans.
I maintain a commitment to always doing what is right for my clients and to exceeding your expectations during and after your mortgage loan experience. I'm not going to promise things I can't deliver, or push you into decisions you are not comfortable with, or say things to you just to make a sale. What I will do is simple; I will be your trusted advisor for all things mortgage related. And fortunately for me, my clients think I'm very good at it. You see, this is about you. It's your money, your house, your life. I am here to help you get there, wherever "there" is. Just take a look below at all my happy clients.
Doing business as a "By-Referral-Only" Mortgage Consultant means that I invests 100% of my time delivering first class service to my clients. As a result, my valued customers, suppliers, and friends refer their family members, co-workers, neighbors and other people they know to me for advice when getting a home loan. I am building strong, life-long relationships one person at a time. I have developed an exclusive program, Road to Wealth, in which I have deliberately focused on serving the financial needs of those who want to make the most of owning a home and use their mortgage as a financial tool rather than an obligation.
Yes I have help. My team, The Chroust group, is an exemplary group of professionals who work with me to get the job done. They are enthusiastic, professional, responsive, eager to help, and great to work with too!
In addition to working as a mortgage consultant, I devote energy to my beautiful son, Ridge, my twins, Gage and Marki Lynn and my wonderful husband, Mark, as well as continuing my education. I believe a well balanced life is a state of well-being that you can reach that allows you to manage effectively multiple responsibilities in your career, your family, your physical health, and your spirituality.
If you, your friends or family members are looking to purchase or sell their home give me a shout! I've got a stellar group of experienced and trusted Realtor partners--I'm confident one of them will be perfect for you! I look forward to working with you on planning your next purchase or refinance!
Awards: Regional Founders Club Top Producing Award (2001); National Founders Club Top Producing Award (2001); Top Producer Award (2004); Presidential Elite Top Producing Award (2005); Presidents Club Top Producing Award (2006); Top Producing President's Club Award (2010); President's Club Recognition (2011); Top Producing President's Club Award (2012); Top Producing President's Club Award (2013); 5-Star Mortgage Professional Winner 2014; President's Club Top Producing Award (2014); 5-Star Mortgage Professional Winner (2015); President's Club Top Producing Award (2015): President's Club Top Producing Award (2016).
“There are not enough stars on this review page to express how impressed I am with Julie Chroust. One year ago I had only the vaguest idea of how to buy a home. I find number, contracts, and business regulations tedious in the extreme so it stands to reason that I was not looking forward to the required processes. Julie was recommended to me by a mutual friend and I can say without hesitation that entrusting her with my loan application was one of the best decisions I ever made. She is highly professional but friendly and easy to approach with even the most mundane questions. Her knowledge of this industry is exceedingly impressive, as she proved time and time again when I was trying to make sense of how the different facets of the home-buying system work. Speaking of which, one of the things I liked most about Julie was her ability to explain things in such a way that I could easily understand them. This was key in making the whole experience enjoyable, which I never believed would have been possible. She is fast, attentive, and efficient. Moreover, she made me feel like a had a friend working on the inside of this business who made sure I was well taken care of and I do believe I will miss our texts and conversations. In short, I would never consider buying another property without her confident guidance and I don't think anyone reading this should either.”
“Top Notch Loan Officer We were preparing to buy our first family home, while getting ready to welcome our second child into the world. Julie met with us prior to starting the process and laid out all of our options and things we needed to clear up financially before initiating our pre-approval. She was very well organized, informed and most importantly understanding of our need to have a smooth stress-free transaction. Once we were ready to begin the home purchase process we received our pre-approval letter within a days notice, which was helpful, as we made an offer that was accepted the following weekend. Once in escrow, Julie worked closely with our real estate agent, while keeping us informed along the way. While we had a few hiccups along the way, Julie was always calm and reassuring. She definitely went above and beyond to make sure our transaction happened in a timely manner and with as little stress as possible. I would highly recommend Julie to our family and friends!”
“Julie is simply the best I feel very fortunate that my favorite real estate agent recommended Julie Chroust to me. Julie is a consummate professional with a wide understanding of the mortgage business. Julie and her team(Dana and Paige) provided the highest level of customer service and having been a buyer for Nordstrom, I am not that easily impressed !My refinance was complicated, as well as at times emotional, and she made herself available to me anytime of the day or night. She is a wonderful combination of experience, empathy and professionalism and I will not hesitate to refer all family and friends to her in the future. When you work with Julie, you get the sense that this is not just a job for her, but a way to help people make decisions that improve their life for the long run.”
“First time homeowners - learned so much from working with Julie! This was my husband and my first house that we purchased. We were so new to the process - we barely knew what escrow meant. When it came down to deciding which lender to go with, we decided to go with our realtor's advice and used a local lender instead of a big bank. We were so grateful we went this way for so many reasons. First, Julie took us under her wing and clearly described all the real estate terms, legal jargon, and most importantly, the important steps that we needed to take to get approved for a loan and ready to purchase our home. We typically met by phone and most questions were sent to her by email. She always worked with our schedule (we were typically free on the weekends and weekday evenings) and our meetings were thorough and full of information. If we needed clarification, she was always willing to respond to our questions within a reasonable (and sometimes very fast) time frame. She was also super patient and was always willing to repeat information she had already explained to us. We never felt like she was rushing us and really appreciated how clear she was when explaining really technical information! I think what really sets Julie and her team apart from other lenders was when it came to closing our purchase. Our escrow was pretty smooth and FAST! My husband and I only had to worry for 16 days before it was done. I have heard that typically, snags are normal when closing a purchase. When we hit ours, Julie really took care of the situation and it felt like we rode over the blip like it was no big deal. In short, the whole escrow/closing process felt fun and we wouldn't mind doing it again with Julie! Overall, I think the main things to take away from our experience is that using a local lender, like Julie, is something that more people should consider doing. From start to finish, they helped make us a competitive offer and that is key to purchasing your dream home in this very competitive market. THANKS AGAIN!”
“Best Loan Service from Julie Chroust. I started the loan process with a major bank and was quickly disappointed by their lack of service and communication. I turned to a realtor friend for a mortgage lender recommendation. He highly suggested I contact Julie Chroust with Bay Equity Home Loans. She promptly returned my phone call. Julie explained the loan process in detail and introduced me to the two loan officer assistants, Dana and Paige. Dana assisted me in pulling all the paperwork together and answered my questions. Paige was instrumental in getting all of the documents transmitted and signed in a timely fashion. The whole process was very professional and handled smoothly. Anytime I called, Dana would directly answer the phone and anytime I sent an email, I immediately received a response. You will not get that professional service from big banks. The loan closed as expected without any problems. Julie, Dana, and Paige went beyond what I expected and I would highly recommend their service for all of your loan needs.”
“Wonderful Experience. Julie helped my husband and I get a loan for our first home. Julie is just great. She was consistently patient (maybe one of the most patient people we've ever met -- we had a lot of questions), professional, friendly and a pleasure to talk to. Julie was always quick to respond and helped us through any hiccups we faced in our process. We are very happy to have worked with her and would do it again in a minute. Thank you, Julie!”
“Absolutely Amazing!!! Julie is absolutely amazing! We just worked with Julie to purchase our first home, the amount of knowledge she has on all the possible routes for buyers is astonishing. Julie kept us in the loop for the entire process so we never had to wonder what was going on, she always took the extra time to explain everything to us. I honestly believe Julie went above and beyond anyone could imagine to get us the best possible deal and could not be any happier. Julie and her assistant Dana worked all hours of the day to make sure everything was completed on time so we never had anything to stress over. Julie made this process surprisingly enjoyable for us and I would never recommend anyone other than her. Thank you for everything Julie, you are amazing!!!”
“Excellent Organization and Efficiency. I had the recent pleasure of working with Bay Equity for our home loan in the east bay. This was our second time working with Bay Equity and both were very pleasant experiences. Julie Chroust was our Senior Loan Officer, and she was always on point. Extremely organized, thorough, efficient, and accessible. No need to keep looking.. Go with Julie and it will be a pain free process!”
Jesse & Monica D.
“The best lender in the Bay Area. Julie is knowledgeable, precise, punctual and totally informed about what's going on in the market. Even more importantly, she tries to understand your goals in a transaction and truly cares about your unique situation. I have used Julie on FHA loans (she's the best around) and refinancing. I trust her without any reservation because she has always demonstrated that she's working in my best interest. There have been times where I know it would be easier for her to just lock in a rate (and get a deal done) but she has advised us to wait for better timing. Work with Julie - you'll really enjoy the experience!”
“Awesome Service!!! Julie was referred to me by our real estate agent and is the best referral I've ever used. Julie and her team made my loan process simple and easy. We were given an easy to follow list of items and they were quick to let us know when they needed something in order to keep us on track to close on schedule. They answered all my questions quickly and made themselves available whenever I needed it. This is our third home purchase and thus has been by far one of best experiences me and my wife have had. Julie and her team are experts in what they do and I can't wait to refer her to friends and family. Thanks Julie & Team for getting us into our new home! It was a great Christmas gift for my entire family. Awesome experience!”
“Julie Chroust and her team have been taking care of my clients for the past decade. Their professionalism and work ethic are key for a successful transaction. I recommend The Chroust Group. ”
“Julie is a consummate pro, responsive, persistent, friendly, and committed heart & soul to serving her clients and Realtors. ”
“There are just no words that can describe the appreciation for a job well done when Julie says "Your Loan is Approved!" It's that moment of joy knowing the transaction is going to close. Her unwavering commitment to those she serves and her professionalism is unparalleled. When in doubt, call Julie to show you how it's done, because she's just the best! ”
“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”