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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.
Just when we get used to the current restrictions, it gets worse!  Below is a summary of the changes that are now in effect.  Read & weep. DU Version 8.0 Release Implemented  Fannie Mae successfully implemented the release of Desktop Underwriter® (DU®) Version 8.0 over the weekend of December 12...
Last Week in the News Retail sales increased 1.3% in November, following a downwardly revised 1.1% increase in October. Excluding automobiles, retail sales rose 1.2%, the largest gain since January. Sales of building materials increased 1.5%, the biggest gain since April 2008. According to the F...
  Blackhawk Real Estate Market Snapshot for December 4, 2009, including homes for sale in Blackhawk* - Nine detached single family homes and one townhome for sale in Blackhawk sold during the month of November 2009. The median sales price of Blackhawk homes was $890,000 for the month of November....
  Smart Home Energy Monitoring Equipment Residential consumers' home energy use is changing. New smart home energy monitoring equipment can provide a near real-time snapshot of energy usage. With this information in hand, consumers are altering their energy-using behavior and becoming more energy...
Do you operate from a Business Plan? Once you have you have your vision for your business, it is absolutely critical that you develop a business plan.  1. A lot of Real Estate Agents and Loan Officers don't operate from a business plan.  So many of us struggle when we don't have do. An effective ...
Last Week in the News The Labor Department reported that the unemployment rate fell to 10% in November from 10.2% in October. Employers cut 11,000 jobs, the smallest monthly loss since the recession began in December 2007. Payrolls were forecast to decline by 125,000. The Institute for Supply Man...
  Homeowners come to terms with the harsh reality of declining values.  I believe we will see movement in the move-up market. Enough time has passed that the reality has set in. Those "waiting it out" for a higher price will decide to sell and move on.  The return of jumbo money. Behind the scene...
  Mortgage Rates Have Dropped, Again! Mortgage rates are extremely low. Now is the time to buy or refinance a home. Why act now? A drop in rates provides a tremendous opportunity to refinance and reduce your monthly mortgage payment and potentially save thousands of dollars over the life of your...
NOW Is the Time to Get a Home Loan! Mortgage rates have dropped AGAIN and are extremely low. This makes it a GREAT time to buy or refinance a home. Why act now? A drop in rates provides a tremendous opportunity to refinance and reduce your monthly mortgage payment and potentially save thousands o...
2009 Tax Savings Opportunities Many tax incentives were enacted as part of the American Recovery and Reinvestment Act of 2009. Some of these may directly benefit you: Tax Credits. Individuals earning $75,000 or less will receive a tax credit of $400 on payroll taxes paid in 2009 and 2010. Married...

Julie Chroust

(925) 381-1481 jchroust@bayeq.com
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