Julie and her team are that rare combination of excellence in their field, integrity in their actions, and consistency in their reliability.

William O. - Buyer

Julie Chroust

Senior Loan Officer

NMLS ID# 249458

150 North Wiget Lane
Suite 105
Walnut Creek, CA 94598

As a licensed Senior Loan Officer in California, with more than 20 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 client. 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 addresses your specific financial needs and goals.  I listen intently, to gain an understanding of your specific needs and I give you options. 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.

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, and your physical health.


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.

Need some help?

Here you’ll find a number of different downloadable PDFs, PowerPoints and other important documents to help make your loan process that much smoother!