Julie Chroust

Area Sales Manager

NMLS ID# 249458

150 North Wiget Lane
Suite 105
Walnut Creek, CA 94598

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


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