Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
RECENT BLOG POSTS
“Bank Statements Rather than Tax Returns” Mr. PetrowskyYour name was given to me by my banker. She indicated that we don’t show sufficient income based on our tax returns to qualify for a mortgage to purchase our next home. Our current home we own we will keep as a rental property.My wife and I o...
06/14/2021
“The Right Referral Means Everything” I’m determined to find that property and bring my horse home. I’ve taken the courses to do equine therapy and that’s what I’m going to do someday. I just need the right people for a little support and encouragement along the way. That means you!! I can’t than...
06/11/2021
“He Better Play that Harmonica” A newly married sailor was informed by the navy that he was going to be stationed a long way from home on a remote island in the Pacific for a year. A few weeks after he arrived, he began to miss his new wife, so he wrote her a letter. "My love," he wrote "we are g...
06/09/2021
“I Wish Hindsight was 20-20”  Good morning, Hope all is well. So even though we JUST closed on our refinance and got everything all set with our current house, however we have gotten a really wonderful opportunity to buy a house in South Windsor. It is a private sale of a family friends house tha...
06/07/2021
“Get Rid of Mortgage Insurance as Quickly as Possible!” It’s hard to believe we are getting rid of mortgage insurance ($376) after 16 months. This real estate market being as crazy as it is, that our home appreciated enough so that we have enough equity to refinance and not pay mortgage insurance...
06/04/2021
“Political or Just an Entrepreneur” A union boss walks in from the factory next door and is about to order a beer when he sees a guy at the far end of the bar wearing a TRUMP “Make America Great Again” cap with two beers sitting in front of him.The union boss doesn’t need to be an Einstein to kno...
06/02/2021
"An FHA 203K Loan is the Right Solution"  The sellers are getting worried about the bank requiring work on the house up front or other issues arising because of the FHA mortgage.  What can you tell me about this?  We've verbally agreed to the house being sold in its current condition so they have...
05/31/2021
“Qualifying for a Conventional Mortgage” I’m going to wait until I qualify for a conventional loan and then I won’t have to have mortgage insurance or be forced to pay out a year of home owners insurance. I don’t want to over pay for a home and have no money left over to make it into the home I’d...
05/28/2021
“The Toughest Language on the Planet” The fact that Kansas and Arkansas are pronounced differently bothers me way more than it should.Pronouncing words that end in 'ough'. Cough, bough, rough, dough, through, though, trough....Is the "S" or "C" in "scent" silent?Why does fridge have a "D" in it, ...
05/26/2021
“I’m Scared to Death”  Mr. Petrowsky, Your name was given to me by my parents. I know you have done a couple of mortgages for them and they always told me that when I was ready to buy a home that I should contact you. OK, here goes, I am scared to death and don’t know where to start.I will need a...
05/24/2021
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Joe Petrowsky

Your Mortgage Consultant for Life
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