Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“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...
“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...
“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 ...
“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...
“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...
“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.”
“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...
“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...
“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 ...
“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...

Joe Petrowsky

Your Mortgage Consultant for Life
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