Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“Comfort Level for a Mortgage Payment” Thank you, I feel much better after speaking with you.One of the questions you asked me when you pre-qualified me for the mortgage, was what is your comfort level for a mortgage payment. At the time I felt $1300 was the number and going over the numbers this...
“Clients with ITIN Numbers and No Social Security Numbers” Good evening Joe, I have a new client that would like to apply for a mortgage loan, he has ITIN # and he told me that his credit score is 700. He is wondering if he can meet you this Tuesday at 3 pm. I want to start showing them homes nex...
“Applying for Social Security” After retiring, I went to the Social Security office to apply for Social Security. The woman behind the counter asked me for my driver's license to verify my age.I looked in my pockets and realized I had left my wallet at home. I told the woman that I was very sorry...
“Three Generations of Mortgages” Hi Joe, My son is going to give you a call, as he and his girlfriend want to bid on a home. It much be pretty gratifying, as our son is not going to be three generations that that you will have done mortgages, pretty amazing. I am honored, proud, humbled and thank...
“Don’t Pay the Rent” I’m sure you don’t remember me, but in 1982 I purchased a 2 bedroom townhouse condo that you converted as part of a 68 unit apartment complex. I paid off my home many years ago and the value has go up 3 fold from the original purchase.I never would have thought at the time th...
“The Wine For Sure!” A husband and wife were sipping some wine, sitting in front of the fire on a cold wintry evening. The wife began purring. “I love you so much, and look forward to the end of each day. I don’t know how I could ever live without you.”Her husband asks, “Is that you or the wine t...
“We’ve Decided Not to Move” Betty and I have been thinking about our conversation, I believe we have decided on what is best for us. It never ceases to amaze us how you are much more than our mortgage guy, but rather a friend that we trust to have our best interest at heart.We have decided, that ...
“How Could You Get the Client Pre-Qualified and the Bank Couldn’t?” Mr. PetrowskyYou recently pre-qualified a client of mind and I’d like to ask a couple of questions if I may? I had originally referred Becca to my go to loan officer at XXX Bank and they could help her because they indicated her ...
“Wrong Answer!” My wife and I were watching Who Wants To Be A Millionaire while we were in bed.I turned to her and asked, “Do you want to have sex?”“No,” she answered. I countered with, “Is that your final answer?”She didn't even look at me this time, simply saying, “Yes.”So I said, "Then I'd lik...
“Thank You for Your Service” Mr. Petrowsky, Your name was given to me by Jim XXXXXX, he is the broker in my office. I just recently got my real estate license and want to get aligned with all of my partners and from what Jim has shared, you have more knowledge and experience than anyone in the ar...

Joe Petrowsky

Your Mortgage Consultant for Life
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