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
“Common Sense Priorities for Sure” A guy wins the big Powerball lottery.A reporter asks him, “What are you going to do with the money?”He replies, “I am going to spend the first half on women and fast cars.”“What about the second half?”“Oh, I am going to blow that.”  
02/23/2022
“It Doesn’t Get any Better than This” Good morning Mr. Petrowsky (Joe)!I just wanted to reach out and thank you for helping make a dream of mine come true. This is my 1/2 way mark to my 1 one year anniversary of home ownership, and none of it would have been possible without you and your amazing ...
02/21/2022
“NO Credit Scores” Mr. PetrowskyI read one of your blogs, not sure how long ago you published it. My situation is a bit unique. I have no credit scores and have a deposit on a home in the Albany area. Two banks and two credit unions said they can’t help me, but your blog indicate that you can? My...
02/18/2022
“Will Baking Ever Be the Same?” It is with the saddest heart that I must pass on the following news. Please join me in remembering a great icon of the entertainment community.The Pillsbury Doughboy died yesterday of a yeast infection and complications from repeated pokes in the belly. He was 56.D...
02/16/2022
“Buried Oil Tanks” Joe I’ve got a question. I’m looking at buying an investment property. They have an old oil tank underground that no longer used. The tank was never filled and soil never tested for contamination. Would a mortgage company lend on a home without it being removed or tested? I’m o...
02/14/2022
“Bank Statement Mortgages” So, let me get this straight. Based on our tax returns, we won’t show enough income in order to refinance, however because I am self-employed we can do a bank statement loan. Even though the interest is higher is meaningless to me as long as it lowers our overall monthl...
02/11/2022
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“Poor Bessie” An hour outside of Dublin an Irish farmer named Seamus had a car accident. In court, the lorry company's hot-shot solicitor was questioning Seamus. "Didn't you say to the police at the scene of the accident, 'I'm fine?'" asked the solicitor.Seamus responded, "Well, I'll tell you wha...
02/09/2022
“Where are Interest Rates Going?”Hey Joe,As you know we have been home searching for nearly 6 months, without much success. Our concern is interest rates, will they push us out of our comfort level for a mortgage payment. We are hearing that rates will be in the 4’s and maybe higher. I did get th...
02/07/2022
“Debt Consolidations” The goal is to pay off my personal and business credit card and a small personal loan (all total less than/about $40k.) My original loan in 2017 was $289k, and I’m guessing with the market now it would be $400k easily. I think you mentioned the new loan would be for $300k wi...
02/04/2022
“A Wise Mother Superior”  The wise old Mother Superior from county Tipperary was dying. The nuns gathered around her bed trying to make her comfortable. They gave her some warm milk to drink, but she refused it. A nun took the untouched glass back to the kitchen. Remembering a bottle of Irish whi...
02/02/2022
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Joe Petrowsky

Your Mortgage Consultant for Life
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