Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“A bucket Full of Nuts” On the outskirts of a small Connecticut town, there was a big, old pecan tree just inside the cemetery fence. One day, two boys filled up a bucketful of nuts and sat down by the tree, out of sight, and began dividing the nuts. “One for you, one for me, one for you, one for...
“Switching Jobs in the Middle of a Mortgage Application? Joe, Not sure what I should do. I have been offered a job from a different company. They have actually been trying to hire me for a couple of years, but now they throughout an offer that is $20,000 higher than I am currently making. I can’t...
“Are You Kidding Me?” Hi Joe, We are under contract, finally. I was online yesterday and saw a rate that a quarter of a percent less that the rate you mentioned in the pre-qualification letter. The payment would be $13.45 less for us, can you match that rate? I asked if this online company ran th...
“The King & the Weatherman”The King wanted to go fishing, and he asked the royal weather forecaster the forecast for the next few hours.The palace meteorologist assured him that there was no chance of rain.So the King and the Queen went fishing. On the way he met a man with a fishing pole riding ...
“My Mortgage is My Only Debt!” Hi Joe.  I've been meaning to thank you for the smooth (halleluiah) refinance of my home.  For the first time since the divorce, I am debt free, other than my mortgage -- having shed the 80,000 of debt I had to take on to get out of the last house and into this one....
“Keep Me in Mind” I think back to when we originally, some 10 or so years ago. I was the listing agent and the selling agent has referred you to the buyers. After calling you about your pre-qualification letter, I was convinced you knew your stuff. You also asked me about my real estate practice,...
“A Perfect Match!” A young lady emails a computer dating service and requested, "I'm looking for a spouse. Can you please help me to find a suitable one?"The matchmaker said, "What exactly are you looking for?""Well, let me see. Needs to be good looking, polite, humorous, sporty, knowledgeable, g...
“Credit Scores Don’t Always Tell the Correct Story” Hi Joe, Our Realtor gave us your contact information. A little backstory about our credit, there are some blemishes, we had some collections last year that had to be paid off once we begin to think about the process of owning a home. We have bee...
“Great Way to Buy Your Forever Home” Hey Joe quick question ..  would we be good to do an FHA 203k loan … found a piece of property that’s needs a complete renovation. Friends actually own the property. They’re asking 185K on 3.64 acres 2000 sq ft. I know this is totally different than what we or...
“Special Day Planned for Tomorrow”  My husband made me angry today so I told him that I can’t wait to see what he has planned for our special day tomorrow.There is nothing special about tomorrow.But there is something special about watching the color leave his face as the panic takes over. 

Joe Petrowsky

Your Mortgage Consultant for Life
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