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
“New Way to Look at Pest Control” A woman was having a passionate affair with an Irish inspector from a pest-control company. One afternoon they were carrying on in the bedroom when her husband arrived home unexpectedly. ‘Quick,” said the woman to the lover, “Into the closet!” and she pushed him ...
09/22/2021
“A Grocery Store Line” Mr. PetrowskyNever in a million years would have believe that standing in line at a grocery store in Saco Maine would have let me to a conversation with you about a mortgage. As it turns out we were both at the right place at the right time. Since I am a believer, you were ...
09/20/2021
“Refinancing, Not in My Best Interest” Good morning Joe, I thought you were in the mortgage business? I fully expected get a new mortgage application done yesterday, but that wasn’t the case. I watched with anticipation as you were making you magic, but was surprised when you told me that refinan...
09/17/2021
“Have you ever heard of the saying”  “The further your name is away from you, the more successful you probably are?’For example:Name on your shirt/name tag – not very successful.Name on your desk – doing better.Name of the outside of your door – doing well. Name on the outside of the building – y...
09/15/2021
“When You Inherit a Lot of Money” Hi Joe, It has been a few years since we have spoken and you may be the only person that we trust enough to discuss our current situation. By the way, all is good with Bill and our children. Both kids are actually in college, believe it or not.Here is the situati...
09/13/2021
“She Said Call Joe” Morning Joe,How are you doing, I have an embarrassing situation and as usual my wife was right. As soon as we decided to refinance, she said call Joe, but stupidly I thought it would be easier working with our current mortgage servicer. The bank is (Flagstar) Their communicati...
09/10/2021
‘It’s Not What You Say, It’s How You Say What You Say” A man in Melbourne walked into the produce section of his local supermarket and asked to buy half a head of cabbage. The boy working in that department told him that they only sold whole heads of cabbage. The man was insistent that the boy as...
09/08/2021
“FHA Loans with Low Credit Scores” Hi Joe, hope all is well with you!  I have a first time buyer loan that I would put in an FHA product with DTI at 48%.   He has money for down payment.   Our bank only does credit score of 680 with FHA and when I ran it in June he had a 644.  Does it sound like ...
09/06/2021
“Refinancing Out of a Construction Loan” Mr. Petrowsky, Not sure you remember me, I originally came to you for a construction loan and unfortunately went with my local bank, what a mistake. Our builder told us that the draw process was the worst that he had ever seen. He actually almost walked of...
09/03/2021
“I Would NOT Recommend Refinancing” I have 22 years left on my mortgage, I don’t want to start again at 30 years. My current interest rate is 4.125% and our principal and interest payment is $1,454 per month. The principal balance is about $260,000. From my research the home is worth about $400,0...
09/03/2021
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Joe Petrowsky

Your Mortgage Consultant for Life
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