Joe Petrowsky's Blog

Follow me
Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“No Pressure at all!”     Dear Mr. Petrowsky,After your name was given to me three times, I figured I better call you. Each person who referred you knows how nervous I am about the home buying process. The main reason for my nervousness was my parents lost their home a number of years ago. Each p...
“Hope He Can Play a Tune”  A newly married sailor was informed by the navy that he was going to be stationed a long way from home on a remote island in the Pacific for a year. A few weeks after he got there he began to miss his new wife, so he wrote her a letter. "My love," he wrote "we are going...
“Zillow Mortgage, Really?”     I can’t believe how stupid we were. You had done a pre-qualification letter for us a few months ago, unfortunately we lost our way. We ended up putting a deposit on a home we found on Zillow and clicked on “mortgages”, what a foolish mistake. They have no clue what ...
“Purchase vs. Renting”      Good morning Joe,I’ve been thinking for a long time about buying a home vs. renting but with my student loans I’ve been hesitant. I’m unsure what I can realistically afford. I was hoping you could help me figure that out. Also, I was even considering trying to get a fo...
“Smart Pigs, Dumb Farmer”  A farmer had 5 female pigs. Times were hard, so he decided to take them to the county fair and sell them. At the fair, he met another farmer who owned 5 male pigs. After talking a bit, they decided to mate the pigs and split everything 50/50.The farmers lived 60 miles a...
    “Be Prepared to Make Your Offer”   Mr. PetrowskyMy Realtor, Bill XXXXXX recommended that I contact you. He told me that no one did a better job with reno loans. We found a home we like that needs renovation, we need your help. How do we go about doing that bid for the reno?  What is the syste...
“Renovation Loan Inspectors and Consultants”     Hey Joe, Another question...………. do we have to use a certain home inspector or does it matter with this type of loan. You didn't mention anything about it so I am guessing I can choose my own. Thanks, Wendy Most renovation loans involve a home insp...
“Pretty Smart Kid”    A man is getting into the shower just as his wife is finishing up hers when the doorbell rings. After a few seconds of arguing over which one should go and answer the door, the wife gives up, wraps up in a towel and runs downstairs. When she opens the door, there stands Bob,...
    “It’s Been an Adventure!”     Hi Joe,How are you?  It's been a while since I contacted you, and I realized I never followed up.  The short of the story is that we did indeed sell our house; we got a cash buyer right away and closed on the house on August 15.  We moved into a temporary apartme...
“Is it Possible to Roll Renovation Costs into the Mortgage?”      Greetings Joe,I have a question for you about mortgages and buying a new house:  What type of loan would you use if you choose to buy and renovate an inexpensive house that is well under your budget?  Is that even possible to roll ...

Joe Petrowsky

Your Mortgage Consultant for Life
What mortgage questions can I answer for you
Spam prevention

Additional Information