Julie Chroust, Mortgage Banker & Broker Pleasanton, CA - Prospect Mortgage

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'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.

Zipporah Andrews - 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 - Juile is hard working professional in her lline 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 feild 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.

Julie's Commitment to her Clients

Julie Chroust is proud to have served family, friends, and neighbors throughout California for more than 8 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.

Julie specializes in First Time Home Buyer Programs such as the Homeownership Program through the California Housing Finance Agency. The mission of Homeownership Program is to provide affordable housing opportunities by offering below market interest rate mortgage programs to very low-to-moderate income first-time homebuyers. There are several unique features and programs offered which may fit the need of the prospective buyer.

DOWN PAYMENT ASSISTANCE LOAN PROGRAMS

• Affordable Housing Partnership Program
  A joint effort by CalHFA and cities, counties, redevelopment agencies and housing authorities whereby a deferred payment subordinate loan from a locality is utilized by the first-time homebuyer to assist them with down payment and/or closing costs.

• CalHFA Housing Assistance Program
  Offers a deferred-payment junior loan of an amount up to the lesser of three percent (3%) of the purchase price or appraised value.

• California Homebuyer's Downpayment Assistance Program
  Offers a deferred-payment junior loan of an amount up to the lesser of three percent (3%) of the purchase price or appraised value.

• Extra Credit Teacher Home Purchase Program
  A below market interest rate CalHFA first loan, together with a forgivable interest CalHFA junior loan to assist eligible teachers, administrators, staff members and classified employees to purchase their first home.

• High Cost Area Home Purchase Assistance Program
  Designed to assist first-time homebuyers in the highest housing cost areas of the state.

• School Facility Fee Down Payment Assistance Program
  A conditional grant program that provides assistance to buyers of newly constructed homes throughout California.

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.