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
“My Referral Superstar” I was thinking back of how many years we have known each other. I guess it must be when you did a mortgage the first time for my daughter. I remember coming to your office with her for moral support and being totally impressed and have referred you many many times. However...
08/30/2021
“How Long is Our Pre-Qualification Letter Good For?”  Hi JoeWe’ve had a slow go at finding a house, but I’m hopeful for one that will be coming on the market this coming week. I wanted to make sure my pre-qualification was still valid prior to seeing the house in case we end up putting an offer i...
08/27/2021
“Who’s that Knocking at My Door?” One night the 96-year-old draws a bath, puts his foot in and pauses. He yells down the stairs, "Was I getting in or out of the bath?"The 94-year-old yells back, "I don't know, I'll come up and see." He starts up the stairs and pauses, then he yells, "Was I going ...
08/25/2021
“Can You Check Our Credit” Joe,Good morning.  I hope all is well.  I am checking in with you again about our credit as I want to refinance and take money out to finish our house.  We have worked very hard to fix our credit issues, but I know I have a couple of items on there but I have some money...
08/23/2021
“Lowering Your interest and Eliminating Mortgage Insurance” As you know we are living in Florida and you guys did our mortgage, it was a great experience.  I was speaking to one of our neighbors and they want to refinance their mortgage because of the equity that they have and their interest rate...
08/20/2021
“I Liked Them Too!” A young boy is listening to the radio in the car with his father. “Dad, what music did you like growing up?” “I was a huge fan of Led Zeppelin,” the father replies.“Who?” the son asks.“Yeah,” the dad responds, “I liked them too.”
08/18/2021
“As Is Condition” Good afternoon Joe,    I have a quick question for you regarding "as is condition" sales. I recently looked at a house that is listed "as is condition" sale.     I plan to take out an FHA loan. Is this loan eligible to purchase an "as is condition" sale?  What are the guidelines...
08/16/2021
“Mortgages and Solar Leases” Morning Joe, Rick really likes the property and location I showed him, however there is a solar lease. Seller has just been paying interest on the lease, and there's 23 years and $23k left on the lease. Are you able to finance this type of property?We might try and ge...
08/13/2021
“An Oldie, but Goodie”  I recently had this conversation with an older gentleman friend.Yesterday my son e-mailed me again, asking why I didn't do something useful with my time. "Like sitting around the pool, drinking beer isn't a good thing?” I asked. “I served 20 years in the Army; I deserve a ...
08/11/2021
“Sell or Renovate, that’s the Question” Hi Joe, You helped us with our mortgage 3 and a half years ago. We want to do some renovation and put in a dormer and expand our master bedroom and put in another bathroom. We gotten a couple of estimates and it seems like we’re looking at around $60,000. W...
08/09/2021
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Joe Petrowsky

Your Mortgage Consultant for Life
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