“Very Smart In House Loan Officer”

“Very Smart In House Loan Officer”



A few months ago I received a call from a guy who is an In-House loan officer at a very large Realtor office. He told me he had been reading my blogs on Linkedin for a number of months and liked my “messages”. I thanked him for his kind words.


He then told me that he would like to refer a transaction over to me that he and his company could not do. He also let me know he wasn’t willing to be altruistic about it; he just wants to be in good relationships with the Realtors that he serves. Pretty smart I’d say!


Since that time I have received one referral every couple of weeks but here is the best part, he checks in with me on a regular basis to see how the transactions are going. That is very smart on his part as he also follows up with the Realtor that is involved with the sale.


I got a call from him this morning thanking me as I received a call from a Realtor referral that he had originally sent to me over a year ago who was sending the same client back to me. However it turns out this is a loan that he can do so I sent the Realtor and clients back his way. Sure, I could have done the loan but I just don’t see that it would have been the right thing to do.


Loyalty means a lot and this loan officer understands it a little better now. What would you have done?


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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.

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Comment balloon 29 commentsJoe Petrowsky • October 30 2015 11:51AM


Sounds like a great partnership and glad it is working both ways.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) over 3 years ago

You are such a smart man Joe.  You take a very long term look at issues.

Posted by Conrad Allen, Webster, Ma, Realtor (Re/Max Professional Associates) over 3 years ago

You did the right thing by referring the person back to the loan officer.I am sure there are many who would not have done it.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) over 3 years ago

Joe, this is the mark of one that really deserves referrals and understands the value of continued good business relationships.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) over 3 years ago

Your referral network is a model for others to follow.

Thanks for sharing this story.

Posted by Roy Kelley (Realty Group Referrals) over 3 years ago

Good morning Joe.  I bet they'll remember that one and in return they'll send more your way.  Good call

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) over 3 years ago

Good morning Joe Petrowsky,

You have a good partner for referrals. The model you are using is going to be duplicated because you are showing him how it works. You did the right thing!

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.750.6899) over 3 years ago

Joe: That one gesture of sending the client back to him will pay dividends down the road. Kudos to you.

Posted by Anita Clark, Realtor - Homes for Sale in Warner Robins GA (ColdwellBanker SSK Realtors ~ 478.960.8055) over 3 years ago

Good morning Joe,

One hand washes the other and it is not a one way street out there.

Great job.

Make yourself a great day.

Posted by Raymond E. Camp, Licensed Real Estate Salesperson Greater Rochester (Howard Hanna Real Estate Services) over 3 years ago

Good morning Joe! The same as you did because it is the right thing to do! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 3 years ago

Yes, that's what a successful and loyal relationship looks like. As always, you did the right thing.

Posted by Kat Palmiotti, The House Kat (Grand Lux Realty, Monroe NY, 914-419-0270, kat@thehousekat.com) over 3 years ago

Sounds like the two of you have a great give and take relationship. It's never good to bite the hand of those that feed you.

Posted by Wayne and Jean Marie Zuhl, The Last Names You'll Ever Need in Real Estate (Samsel & Associates) over 3 years ago

What a good partnership you have established. The seeds are planted and now you have to tend the crops.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) over 3 years ago

Joe, this post speaks volumes about your character and the way you do business. I like your style.....I'd have done the same thing.

Posted by Roger D. Mucci, Lets shake things up at your home today! (Shaken...with a Twist 216.633.2092) over 3 years ago

Share and share alike...rather than taking the "I can do anything you can do better" atttude os well received by referral sources...and as of course you know, will bring, more "later, rinse and repeat" on his part.

Posted by Sally K. & David L. Hanson, WI Realtors - Luxury - Divorce (EXP Realty 414-525-0563) over 3 years ago

Joe - that is terrific.  That is another great relationship that you have built based on performance.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) over 3 years ago

Good morning, Joe -- and that's the way it should work.  Good job.  

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 over 3 years ago

Good morning Joe. You are as good as it gets but your sense of integrity is even more impressive.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 3 years ago

YES Joe Petrowsky Being greedy would have come back to bite you at some point. Very good decision.

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) over 3 years ago


I would have done exactly what you did.  It is the way to continue the chain of gain among all of us.  Well done, A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) over 3 years ago

Loyalty does mean a lot and I expect it will mean much more for your business in the future that you sent them back.

Posted by Tammy Lankford,, Broker GA Lake Sinclair/Eatonton/Milledgeville (Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668) over 3 years ago

Joe that was a very smart thing to do on your part.  One deal is not worth the many more future ones which you will continue to receive.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 3 years ago

Joe just knowing you here in the Rain and reading your posts... of course this is what I knew you would do.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate (Vision Quest Realty) over 3 years ago

There is no reason to be selfish with the referrals and giving one back will get it's rewards.  Well done

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (RE/MAX Professionals, CT 203-206-0754 ) over 3 years ago

Absolutely; send it back Joe Petrowsky.   If I ever find a better deal with another lender, I send the client there.   My loyalty is to my clients.

In turn, I often receive referrals from them because they know I will treat the referred client professionally. 

Posted by DEANNA EARLY - - ( NMLS # 268590 ), Highest Ranked Mortgage Loan Originator Virginia (American National Bank & Trust) over 3 years ago

That was an excellent thing to do. I would have done the same thing.

Posted by Evelyn Johnston, The People You Know, Like and Trust! (Friends & Neighbors Real Estate) over 3 years ago

Way to go Joe Petrowsky . . . . on creating another success story.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) over 3 years ago

Another win for you Joe.  You always make the best connections because you are a pleasure to work with and value the chain in your business.  Every party counts!

Posted by Joanna Cohlan, Designing, Decorating & Staging Westchester Homes (Fresh Eyes For Your Home) over 3 years ago

Joe petrowsky I have always admired the way you share the business and build loyalty and referrals.

Posted by Gail Petrowsky, House flipper and life coach (Gail Petrowsky, Inc) over 3 years ago