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Mortgage and Lending - Julie Chroust, Senior Loan Officer Bay Equity LLC - NMLS #249458
Julie Chroust at Bay Equity Home Loans in Walnut Creek offers convenience, choice, value, and professional expertise. I specialize in finding you the best loan for your individual needs. And I'm with you every step of the way. Not to mention we have the BEST INTEREST RATES.
Truth-in-Lending and Regulation Z We all need to be geared for the major changes taking effect on July 30, 2009.  This could effect our closing times and we all need to be preparing our clients for this.  Below is an outline of the changes. Types of Loan Covered and Effective Date of Change The c...
Last Week in the News On Tuesday, July 14, the Labor Department reported that the producer price index, which tracks wholesale prices, rose 1.8% in June, following a 0.2% increase in May. The increase was double what economists expected and largely attributed to rising energy costs. Gasoline pric...
  Some potential homebuyers are sitting on the sidelines waiting for housing prices to hit bottom. It makes sense to buy a house at the lowest price possible but there are other critical considerations to keep in mind. Trying to time the bottom of any market is always difficult. Also, interest ra...
Last Week in the News On Monday, July 6, the Institute for Supply Management reported the monthly index of non-manufacturing activity rose in June to 47 from 44 in May. Economists had expected a reading of 45.5. Figures below 50 indicate contraction. However, it was the best showing since Septemb...
Tom Ferry spoke at a 1/2 day seminar last week in Concord, CA sponsored by Prospect Mortgage and I must say I felt like a little kid in a candy shop.  He spoke about ActiveRain and Twitter and making the most of these tools in our industry today.  He also mentioned the best way to turn the leads ...
Last Week in the News On Tuesday, June 30, the Conference Board reported that its consumer confidence index fell to 49.3 in June from a slightly revised 54.8 in May. Economists had expected an increase to 55. The index was benchmarked at 100 in 1985, a year chosen because it was neither a peak no...
The National Association of Realtors said existing home sales rose 2.4% in May to a seasonally adjusted annual rate of 4.77 million units from a revised level of 4.66 million units in April. May’s increase was the first back-to-back monthly gain since September 2005. According to the ICSC-Goldman...
Todd Duncan Joins Prospect Mortgage as Chief Performance Officer We’re excited to announce that Todd Duncan, a renowned motivational speaker, sales trainer and best-selling author, has joined Prospect Mortgage as Chief Performance Officer to lead a comprehensive sales, leadership and time managem...
Last Week in the News On Tuesday, June 9, the Commerce Department said wholesalers reduced their inventories by 1.4% in April following a 2.4% drop in March. Economists had forecast a 1.1% decrease in April. It was the eighth straight monthly decline. Sales at the wholesale level fell 0.4% in Apr...
The Conference Board reported that its index of leading economic indicators rose 1% in April. It was the first gain in seven months and the biggest gain since November 2005. The index is designed to forecast economic activity in the next three to six months. The National Association of Home Build...

Julie Chroust

(925) 381-1481 jchroust@bayeq.com
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