87,921 Points

Name

Julie Chroust, NMLS# 249458, Direct Lender & Mortgage Banker

Company

Julie Chroust, Prospect Mortgage, Walnut Creek, CA

E-mail

Contact Julie Chroust, NMLS# 249458, Direct Lender & Mortgage Banker (Julie Chroust, Prospect Mortgage, Walnut Creek, CA)

Website

http://www.myprospectmortgage.com/jchroust/

Office Phone

(925) 516-5809

Cell Phone

(925) 381-1481

Fax

(877) 618-6601

Address

1910 Olympic Blvd,, Suite 120, Walnut Creek, CA, 94596

Description

Preferred Lender for Fannie Mae's HomePath REO Loan, FHA, 203(k) Rehab & Jumbo Loans. The finest lending experience you could have. BEST resource for California Jumbo Loans

About Julie

Julie searches the market for all possible financing scenarios, seeking highly competitive financing for the first time home buyer to the multi-million dollar investor. Underwriting, drawing documents and funding "in-house" for escrows that close "on time", every time.

Julie joined Prospect Mortgage, with a commitment and a strong desire to always do what is right for her clients. She is committed to exceeding your expectations during and after your mortgage loan experience. With a wide range of programs, she will ensure that you will always obtain the loan that is just right for you, addressing your specific financial needs while delivering quality service and honesty.

In October of 2002, Julie took her business to a whole new level, she conducts business as a "By-Referral-Only" Mortgage Consultant. What this means is that she invests 100% of her time delivering 1st class service to her clients. As a result, her valued customers, suppliers, and friends refer their family members, co-workers, neighbors and other people they know to her for advice when getting a home loan. She is interested in building strong, life-long relationships one person at a time. Julie has developed an exclusive program, Road to Wealth, in which she has deliberately focused on serving the financial needs of those who want to make the most of owning a home and using their mortgage as a financial tool rather than an obligation. She is insightful and compassionate to the needs of each client.

"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".

                                            - Julie

Julie Chroust, Senior Loan Officer

Prospect Mortgage LLC, 1910 Olympic Blvd., Ste. 120, Walnut Creek, CA 94596

Office: 925-516-5809  * Cell: 925-381-1481  *  Fax: 877-618-6601

Email: Julie.Chroust@ProspectMtg.com

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A Personal Note from Julie:

A Different Kind of Mortgage Consultant

I assume you are reading this because you want to know about me as a Mortgage Consultant.  I am not going to tell you that I am invincible, or bulletproof, or can leap tall buildings in a single bound. I'm not going to spam you, or waste your time. I'm not going to contact you if you don't want to be contacted. 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

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 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.

I listen intently. I try my best to understand your needs, your concerns, your fears, and your preferences. I give you options, and explain your choices. I tell you the truth always. I give you advice, and make sure you see all potential outcomes. I return phone calls and emails promptly. I work hard to make sure I am up on the market and the latest guidelines. I network religiously  and read voraciously so I can be a trusted source of mortgage information for you. And I improve my skills at every opportunity so I can be as effective as possible on your behalf.  

What you Should Know

Since you are considering having me help you as your mortgage consultant you should know that yes, I am well qualified. I have been a mortgage consultant for over 10 years.  I integrate technology into the process to help my clients achieve their goals, and to enhance their experience and save time (we all know how valuable time is these days).   I believe I bring a lot to the table on your behalf. If you really want to know my qualifications, call me or shoot me an email and I will send you a resume (its free).

You should know that mortgage is what I do, not who I am. I do have a life outside of mortgage. I am a wife, and the mother to 3 amazing children.  I have 1 cat, but considering getting a dog too. In my free time I like to work out,  play golf, participate in any water sports or anthing that involves a boat.  I like to facebook, twitter, and post fun informative articles to my blog.  I do a bunch of community stuff like volunteer at the local schools, and I especially love getting involved in assisting veterans and their families.  I am also the President of a BNI Chapter  "East County Business Builders", BNI is the largest business networking organization in the world.

Who Else you Should Know

Yes I have help.  My team of amazing professionals who work with me to get the job done. They are enthusiastic, professional, responsive, eager to help, and great to work with too!

So that is me in a nutshell. If you are looking for someone to help you with your mortgage needs, give me a call or drop me an email. The one thing I can promise you is that I care, my team cares, and we will be there to assist you every step of the way. And we will have a little fun in the process!

Julie's Happy Clients / Testimonials

Amelia Vornhagen- "Phenomenal Mortgage Professional"-That's Julie Chroust. Julie not only has the necessary work ethic and industry knowledge that should be required of all mortgage personnel, but she has the integrity and care necessary to guide and help protect her clients and their future investments.

Juanita Mims- Julie has become a friend over the 5 years that I have known her. She helped me with a re-finance that took over 3 years to complete due to some personal problems that I had. She has always been professional and courteous each time that I had questions and concerns. I would highly recommend her services to anyone who needs to purchase a home or re-finance an existing loan.

Donnie Rath- In my experiences in working with Julie, she treats her clients and business partners with honesty, respect, and integrity. Her clients always have good things to say about their experiences in working with her.

Greta Gissel- Julie is the hardest working woman I know. She is extremely knowledgeable, courteous, conscientious and always willing to go the extra mile for a client. She exemplifies what a person would want in a mortgage expert. She is honest, and has incredible integrity. Julie is not only a wonderful person to work with, but she is a strong and incredibly amazing person. I am a better person from knowing her.

Bruce Burrows- Julie displays the highest level of integrity and professionalism; always putting her clients first and researches her industry constantly. And, she's a very nice person.

Austin Butler- I truly think Julie is a very honest and wonderful person. She is also a very hard worker, who is very adaptable at what she does. Any job she takes on she gives it her best.

Sam Mahshi- In this day and age of mortgage financing, it is pertinent to seek honesty and integrity in a loan consultant.  She offers a wealth of knowledge and experience in real estate lending.  Julie exceeds expectations as a consultant in providing current information and great service overall.

Rose Cortes- Seriously, Julie was amazing, patient and just so supportive during the whole process of refinancing.  I can't thank her enough for what she has done for me.  She is a wonderful loan officer.  Words are just not enough to describe how kind she was and how efficient she was and the service she provided.

Chet Caballero- Julie Chroust is what we need in the real estate &; financing business. She is trustworthy, professional &; knowledgeable in her field of work.

Casey Minister - Julie made the home-buying experience much less stressful. She was very knowledgeable and always returned our calls and emails very quickly.  She is honest, straightforward and she also got us a great loan. Thanks Julie!

Chris Lince- Julie stands out in the mortgage industry as one of the most knowledgeable and honest individuals I know. She keeps herself educated and up to date with all the changes in the mortgage industry. She consistently communicates with all parties in the transaction so no one is ever left out or wondering what is going on. Julie Chroust takes her career very seriously, as this is one of the largest investments people make in their lives. She works long and hard to make sure she delivers all the information properly so her clients can make the best financial decision for themselves.
She is absolutely the best Loan Consultant I know.

Marjorie Birky- I have been fortunate to have worked with Julie for several years. She is one of the hardest working women I know, and I have a tremendous amount of respect for her. Julie is a beautiful person inside and out.  Three words to describe her way of doing business, and the only way she knows how, with Integrity, efficiency and honesty.

Zach Chop- She was very helpful and extremely professional. She made the entire loan process understandable and easy. She encouraged questions and her attentiveness to our needs was well known.  I was recommended to Julie back in 2008 and have used her services 2 times since then.I was comfortable with the services she provided and made the loan process easy. She always has the clients best interest at heart.She is personable and easy to work with and is plugged into the lending industry. She is a subject matter expert in her field. I will use he services again, no question about it.

Zipporah Andrews- Julie is an organized, very ethical, extremely competent mortgage consultant. I have known Julie personally for almost all my life, so I do know her values and missions in life, and she has always been an inspiration to me. (this however is NOT why I recommend her work; I do so because I know first hand her commitment to her clients.) Her success speaks to her abilities. I have met some of her other clients and they all have only great things to say about Julie and the process she guides them through. She has been so helpful during this very difficult time in our economy, when lenders and the real estate industry are going through such craziness. I could not do this with anyone else. Julie is tireless and upbeat; infusing her work with her beautiful kind spirit. I recommend her to anyone who is looking for an honest, intelligent consultant!  Julie is a true professional in her business. She looks out for what is best for her clients and continually educates herself and her clients. Julie is honest and has strong integrity.

Shiela Davis- Julie is hard working professional in her line of work, with a lot of knowledge in the Mortgage industry. She is very willing to answer any questions for you or your clients. even if there is no benefit to herself. She has many years in this field and I would highly recommend her to any of my friends and family.

Ed Jeffry- I've known Julie for just under a year now and I would endorse her as an honest person of the highest integrity.

Amy Alvis- Julie has the experience and knowledge of the mortgage industry to provide the best service for her clients and business collegues. She has wonderful personality and work ethic.   Julie is always on top of what is going on in the mortgage, real estate and financial market so she can be on top of it all for her clients. She really wants to help people realize their dreams and has an amazing attitude. She would be a great person to work with both as a client and as a business partner.

Carole Thoresen- If you are looking for a lender who knows what she is doing, knows the most current programs out there?
If you are looking for a lender who doesn't drop the ball who follows through?
If you are looking for a lender who keeps you informed?
If you are looking for a lender who tells you your client is pre approved and you can count on what she says?
If you are looking for a lender who will close on time?
All of the above with a possitive and pleasant attitude always!

Julie has done several transactions for me over the last four years. She has a high standard of ethics, she is trustworthy, very knowledgeable in what she does, helpful, easy to contact and always returns calls in a timely fashion. She has the ability and knowledge to foresee potential issue ahead of time and put them to rest before they become a problem. If you are looking for a lender that you can trust and count on getting the job done for you “on time” you’ve just found her!";

Jon Brockway:  Julie helped us get our house refinance when the market was falling apart. She actually "got it done" when other people told us it was impossible. Easy to work with, fair honost dependable. We would work with Julie again and recomend her highly.

Frank Ramano:  Julie has a good focus and insight into the her industry, Knowledgeable, great communicator, out of the box thinker, team player, a pleasure to work with.

Mark Beck:  Julie is the most professional person I know in the real estate lending industry, and I know LOTS of them. I would recommend her at any company she works for or with, because I know she can be trusted to do a superior job in a more than timely manner.

Shilpa Chandran:  Julie Chroust is extremely knowledgeable and personable. She not only keeps herself up to date with the market trends, but also helps first time homebuyers like me by creating interesting and detailed blogs. One of her best qualities is her response time. I have had a great experience working with her and would highly recommend her to anyone looking for a reliable and knowledgeable mortgage specialist. With Julie, you can be assured that you are getting the best possible solution for your mortgage needs.

Myrna Jones:  Julie is a detail-oriented manager who watches the balance sheet like a hawk without ever losing wight of the strategic objective.  She will work diligently for you and keep you in the know about your mortgage and investor information.

Carlos Rivera: Julie is one of the best mortgage consultants I have worked with.  On behalf of Alejandro, Maria and my self I would like to say "Thank You" to Julie Chroust and her team. I know how hard everyone worked and how difficult it was to get this done in literally two weeks! Execution was flawless and I'm really impressed with the submission, approval and follow up process from each of you. We are eternally grateful and you can count on me sending as many referrals as I possibly can.

Elvira Ashmun: I Highly recommend Julie as a loan officer. Julie has high integrity, trustworth, consistent and is reliable. She is very detail oriented.  She is always willing to go that extra mile and she does it with a smile on their face. I have directed a number of Buyers her way and I always hear positive responses and praise.

Bill Joyce: It has been a pleasure working with Julie on mutual clients. Financing is central to successful real estate transactions and satisfied clients...and Julie delivers.

Rani Distefano:  Julie is a smart, dynamic, highly reliable, and extremely professional. Enjoy working with her.

Patricia Shu:  Julie is very efficient and prompt on her services.

Farah C. Rodrigues:  Dearest Julie, Thank you so much for your patience and courtesy, all your professionalism, explanation and teachings about the whole process.  I am grateful.

Sharon Woodbury: Julie is very knowledgeable. Great at returning calls and answering questions. Highly recommended.

Victor Magana: Julie was in charge of my mortgage and worked with Intero, Brentwood office, very good service.

Mike Spain: Julie has been a major contributor teaching me about mortgages in the new world. She is selfless when sharing her ideas with me and giving me direction. Most loan officers are so afraid but Julie just wants to help everyone she talks to be that loan officers, clients, or other Real Estate agents. Her kindness and compassion for people is a blessing and the reason why she does so well.

Jennifer Romiti - Julie did a great job from start to finish! She kept me informed and did exactly what she said she would do! She closed the loan!  Julie and I worked together on a purchase where I was the Listing agent and Julie was the lender for a buyer. The transaction closed smoothly and Julie was incredibly responsive and on top of the the whole process. The escrow closed on time with no issues or concerns. If you are looking for a lender that will be punctual and communicate any and all concerns with you, do not hesitate in contacting Julie.  Thanks Julie!

Paul Conti - Julie Knows her stuff and has done an excellent job time and time agian.

David Jones - Julie Chroust is one of the most professional and dedicated persons that I know in the Lending and Real Estate business!

Shannon Coe - Julie Chroust is the type of Lender you want on your team! She goes the extra mile
to get the loan done and always makes sure we are looking out for the clients best needs. She can get the tough loans closed.

Vickie Nagy - Julie Chroust is extremely knowledgable and fast! Loans today are so complex and it's important to work with someone at the top of her game! If you need a home loan, you need to talk to Julie!

Maria Nasol - Julie was awesome - the homebuying experience is a stressful experience - and with the current changes even more so. Julie really really made it so easy for me - she definitely knew the ins and outs of the process, made sure I was well informed on the whys and the hows of the process and the response time was remarkable - she always responded to my emails and calls promptly. She was very upfront about potential issues and provided support and guidance on mitigation. I felt that she did everything within her power to make sure I had a successful purchase experience and I feel very lucky and grateful that I had Julie as my loan officer. I doubt if any other loan officer would have provided the same level of service as she has.  Julie should be cloned... :-)

Elizabeth Clayton -  Julie was really fantastic throughout the whole process. I was a first time homebuyer, who went into the mortgage process pretty much knowing nothing about it, and she was great about explaining things when I had questions, and re-explaining them if I still had questions! Totally a pleasure to work with all around.

Brandon Nicholson - Julie and her assistant Dana were fantastic throughout our experience. They constantly communicated with me and moved very swiftly to ensure that I could complete my home buying process as quickly as possible. Factors far outside of their control prevented us from closing for eight months, but Julie and Dana were with us every step of the way, and did everything in their power to help us get our keys as quickly as possible once we were in escrow. Aside from their friendly dispositions, perhaps the best thing about Julie and Dana was their willingness to answer all of my questions, no matter how long it took. I would find myself looking at the clock and realizing that I had been asking questions for nearly an hour straight, and they had never so much as sounded weary. I am very grateful for Julie and Dana's help, and look forward to working with them when we refinance.

Craig McGillivray - Absolute perfection. Julie was very informative and supporting during the whole process, as was her assistant Dana Wyrick. It was a pleasure to deal with both of them. I always got prompt, accurate responses to any question I had.

Michele Setter - Julie and her assistant Dana were very personable, professional and easy to work with. So glad to have chosen Julie Chroust/Prospect Mortgage over other recommendations.

Yaacov Silberman - What can I say? Julie made the mortgage process almost a pleasure. She was utterly responsive, gave accurate information, moved my home purchase along swiftly and was friendly, to boot. Highly recommended. Held my hand the whole way. Was very responsive and professional.

Oliver Burgelman - Julie was very knowledgeable as was her assistant Dana Wyrick! 

Bo Kim - Julie answered all my quesions in a timely manner. I had to change the down payment amount several times, and she worked with me to make sure that everything went smoothly. 

Steven Main - Julie answered all my questions and guided me through a rather complicated home purchase with sage advice. She made the process as simple as could be. I strongly recommend Julie and her team to anyone in need of a mortgage.

Laura Rivera - Julie gets the job done, especially for challenged first time home buyers! She is honest and very responsive to the buyer's needs and realtor needs. I highly recommend her. 

Angela Sipp - Julie is a true expert in assisting prospective home buyers find the right loan product for their home purchase. Because of her expertise, she is knowledgeable in how to move forward in the lending process as quick as possible getting the best interest rate-this is important! After personally working with Julie and her staff in financing my own home purchase, I will continue to refer to my clients looking to purchase property. 

Ernie Basoco - Julie is a very dependable professional--particularly for the recent sale we completed, funded by a purchase money loan through Julie. 

Julie's Commitment to her Clients

Julie Chroust is proud to have served family, friends, and neighbors throughout California for more than 10 years. Julie is firmly rooted in the area and is committed to maintaining the community-oriented culture. Julie takes a personal interest in each of her clients, striving to truly understand their needs and goals, and to exceed their expectations.

With combined real estate and mortgage experience, Julie strives to exceed your expectations, to be worthy of your trust, and to earn your repeat and referral business.

Julie has the advantage of offering a wide range of loan programs to customers: Fannie Mae Loans, Freddie Mac Loans, FHA Loans, FHA Renovation Loans, Veterans’ Administration (VA) Loans. CalPers, CalSters, CalHFA and Fannie Mae's HomePath REO loans.

Julie is a mortgage leader because Prospect Mortgage is a mortgage banker, in addition to being brokers. With Prospect Mortgage, you're working directly with the bank so you'll experience streamlined processes, instant access to the best rates and loan programs, the fastest turnaround time possible, timely communication and warm personalized service.

California Jumbo Loans

One of Julie's specialities are jumbo loans in the state of California. She offers jumbo loans for purchasing, refinancing, and cash-out refinancing.

Julie is also the leading provider of mortgage services for individuals seeking a residential mortgage, and Prospect Mortgage is an exceptional company for qualified mortgage loan professionals seeking a professional office in which to succeed.

Julie knows what it takes to be a successful leading mortgage banker and broker, and she passionately and consistently does what it takes. In addition to her strong commitment to the communities she serves, she delivers superior service throughout all phases of the mortgage process, creating exceptionally satisfied customers and successful industry professional partners in the process.

Prospect Mortgage lending in all 50 states.

Only Prospect Mortgage customers benefit from

• Custom-fit loans: Prospect Mortgage's own in-house mortgage bank allows our loan agents to tailor a loan to fit your needs precisely.
• Accessible agents: Prospect Mortgage loan agents are quite simply the best in the industry, which is why Prospect Mortgage customers come back to us again and again for their home financing needs.
• Experienced company: Prospect Mortgage has been committed to serving the communities in which we do business. Our reward is our loyal customers.

Equal Housing Lender. Prospect Mortgage, LLC, NMLS #3296. I am a licensed mortgage originator, NMLS #249458, and am licensed to originate mortgage loans in the followings states: California.  To learn more, visit my Prospect Mortgage website at http://www.prospectmortgage.com/jchroust