“You Helped Me When No One Else Would”

“You Helped Me When No One Else Would”



I did a mortgage for Mini in 2005, it was a subprime loan, at the time was 7.5%. This mortgage had been in existence for 10 years and just got paid off with the sale of the property.


After the loan was done that many years ago, I had not heard from the client, until yesterday. I didn’t remember the circumstances at the time, but we got the client a mortgage, based on credit, income and not sure what else.


Mini called me to thank me for the mortgage I got for her at the time. She kept saying that I keep telling anyone that will listen, “I tell them that you are a good man and color doesn’t matter to you, you helped me when no one else would”. WOW, you just never know the impact you make on another human being.


She told me she walked out of the closing today with over $51,000, the most money she had ever seen and was now going to live with her daughter in Georgia.


I love what I do for a living, sure there are times that it I can get frustrating, but a call like I got from Mini, it makes it all worthwhile.


Image courtesy of stuartmiles/freedigitalphtos.net

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 27 commentsJoe Petrowsky • October 11 2015 06:08AM


Good morning Joe. Joe, great satisfaction helping someone achieve what others thought not possible! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 5 years ago

Joe, isn't that a wonderful story! I am sure that touched your heart. It is so good when we hear that we made a difference to someone. 

Posted by Andrea Swiedler, Realtor, Southern Litchfield County CT (Berkshire Hathaway HomeServices New England Properties) over 5 years ago

Joe, Doing what we do and doing it "right" really does impact the lives of those we serve. Congratulations on learning the impact you made years after. 

Posted by Kathleen Daniels, Probate & Trust Specialist, Probate Real Estate (KD Realty - 408.972.1822) over 5 years ago

Joe, an unexpected call like that would be a great motivator for the week.  Kudos

Make it a great one.  Mark

Posted by Mark Don McInnes, Sandpoint, North Idaho Real Estate - 208-255.6227 over 5 years ago

Joe, what a terrific call from Mini and I know that you made your day.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate over 5 years ago

Joe - that is a great testimonial.  Genuinely caring and striving to make a difference makes you sleep well at night.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) over 5 years ago

hi Joe Petrowsky Even a high priced sub-prime loan can produce very good results, especially when no one else is interested in helping.

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) over 5 years ago


Another great story from our super loan expert and hero, Joe Petrowsky.  Those moments of victory keep us going.  A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) over 5 years ago

Wonder what she means by Color Doesnt Matter.  Were you a little green that day???

This is a great story.  This is what the intent of the sub-prime loans should have been from day one.  To help those who otherwise would not have had a chance at home ownership.

Posted by Belinda Spillman, Colorado Living! (Aspen Lane Real Estate Colorful Colorado) over 5 years ago

Obviously, you looked at her character (along with credit, income, etc.) and NOT her color and she recognized that.   Kudos to you Joe Petrowsky  !

Posted by DEANNA C. SMITH CERTIFIED MOBILE NOTARY, Highest Ranked Certified Mobile Notary in Virginia (Certified Mobile Notary Signing Agent) over 5 years ago

Hi Joe --- another enlightening success story.  Thanks for  continue to show and share the positive side of life.

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 over 5 years ago

I was wondering what she meant by color doesn't matter too. Sounds like she felt she was discriminated against but not for having bad credit, which was probably the crux. Not to mention, it's harder to make a loan for a person with bad credit, and there's often not much money in it for the originator but we all do pro bono now and then.

Posted by Elizabeth Weintraub Sacramento Realtor Top 1%, Put 40 years of experience to work for you (RE/MAX Gold) over 5 years ago

Hi Joe Petrowsky ,  It's a shame when people choose who they will and won't work with.  The Real Estate Industry, with it's High standards treats everyone the same. That was nice of her to share her experience with everyone.  Great job!

Posted by Larry Johnston, Broker,Friends & Neighbors Real Estate, Elkhart,IN (Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC) over 5 years ago

Joe not many people would have taken the time to thank you after all these years.  Mimi is a special lady.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 5 years ago

Great marketing piece Joe and glad you had the opportunity and fortitude to get the job done!

Posted by Evelyn Johnston, The People You Know, Like and Trust! (Friends & Neighbors Real Estate) over 5 years ago


That's a great success story . . . . by a happy customer.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) over 5 years ago

Joe, these stories are the very reason we live in this industry.  Congratulations, and sure this made your day!

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) over 5 years ago

Joe, that is the best phone call you could every receive, right? It makes the long hours and stress of the day worth it. I'm glad Mini found you all those years ago. You are a good man!

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) over 5 years ago

Good morning Joe.  Just love it when I hear this.  Outstanding service and getting the job done does have its rewards.

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) over 5 years ago

Thanks for sharing this success story. Home ownership changes lives.

Posted by Roy Kelley (Realty Group Referrals) over 5 years ago

What a great story, Joe.  It must make you feel so good to know the impact you had on someones life.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) over 5 years ago

Good Morning Joe: Making a difference in other people's lives far outweighs the frustrations the job entails.

Excellent job Joe. I love stories like this.

Posted by Maria Gilda Racelis, Home Ownership is w/in Reach. We Make it Happen! (Home Buyers Realty, LLC-Manchester, Bolton. Vernon,Ellington) over 5 years ago

Good morning Joe Petrowsky ,

I love hearing a story like this! Of course it is more common with the service you provide but is one of the reasons you love what you do...you love making a difference for someone!

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker Realty ~ 512.750.6899) over 5 years ago

Joe, it gives me goosebumps when a clients says things like that!  A wonderful experience & you serve your clients well.

Posted by Ginny Gorman, Homes for Sale in Southern RI and beyond (RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate) over 5 years ago

Joe your work ethics and values shine through every  day -Mini was fortunate to have you work with her -perhaps this experience can help her see others differently also-not everyone is color-blind.

Posted by Gail Petrowsky, House flipper and life coach (Gail Petrowsky, Inc) over 5 years ago

Phone callslike Mini's make all the tough days pale in comparision.  Put this post on your bulletin board for next tough day, Joe Petrowsky 

Thanks for sharing.

Posted by Mary Yonkers, Erie/PA Real Estate Instructor (Alan Kells School of Real Estate/Howard Hanna Real Estate) over 5 years ago

What an awesome testimonial, Joe!  You're a very special person, in addition to being an outstanding mortgage consultant.

Posted by Bruce Brockmeier, Coached By Crouch (Internet Marketing Consultant to REALTORS®) over 5 years ago