Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“This is how Fake News gets Started”His request approved, the CNN News photographer quickly used a cell phone to call the local airport to charter a flight. He was told a twin-engine plane would be waiting for him at the airport. Arriving at the airfield, he spotted a plane warming up outside a h...
“Making Dreams Come True Business” I didn’t know if I would ever own my own home. I know you assured me when I first called you, but didn’t think it would ever happen for me, for my family. My brother told me he felt the same way and you got them a mortgage.Just so you know, I have a lot of frien...
“Understanding FHA 203 K Rehab Loan” Hi Joe,A few questions I have about doing an FHA 203K rehab mortgage that we discussed. Is it possible to do some of this work myself or does the work have to be done by licensed contractors?  Will the extra amount on my mortgage drop off after I finish paying...
“2020” 2020 is going to be synonymous for "crazy" for the rest of time."Hey, stay away from that guy in accounting over there. He's 2020.""That borrower went 2020 when I scolded her about buying a car two days before closing.""Your Honor, I gained control of the car after avoiding the pedestrian,...
“Can You Coach My Sons?” Hi JoeI had the privilege of doing business with you on several occasions in the past with great success.   I am reaching out to on behalf of my two boys who have been investing in rental property for the last 4 years. They are constantly educating themselves on the best ...
“15 or 20 Year Refinance Term”Hi Joe, When you get a moment, pull my last refinance file and let's re-run my credit to try and lower the interest rate on my house mortgage.  My credit scores are closer to the 750 mark now.  Interest rate should come down drastically.  See attached estimate at las...
“What’s in a Name Anyway?” My cousins wanted to reveal the gender of the baby at our family reunion of about 40 people.That night, after just finishing up a socially distant BBQ, my cousin and his wife stand up and announce to the family that they are going to have a little baby girl. Everyone st...
“I Can’t Charge a Past Client for a Consultation” I hope you are well. You helped me with a mortgage back in 2013. My wife and I are considering purchasing a rental property in North Carolina (we do not have a specific property picked out yet) but would like to schedule some time with you to revi...
“An Offer, 10% Above Asking Price? Hi Joe, Finally going to see another house tomorrow. It’s quite the struggle between the market and my needs/wants to find something out there.My realtor asked/suggested that I ask you to have an amount on my pre-qual letter. Her ask is that it’s written for 30k...
“I’ll Get You a Fork” A little old lady answered a knock on the door one day, and was confronted by a well-dressed young man carrying a vacuum cleaner."Good morning," said the young man. "If I could take a couple minutes of your time, I would like to demonstrate the very latest in high-powered va...

Joe Petrowsky

Your Mortgage Consultant for Life
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