“Do You Also Do Refinances?”

“Do You Also Do Refinances?”



I often times just assume that when I do a mortgage for someone that is purchasing a home that they just know that we also do refinances, but that is just not the case.


Earlier this year I started telling clients that if there is ever a reason to refinance that we do that as well. This practice started when one of my past clients called and told me that they needed a new pre-qualification as they were planning on moving.


When I ran a new credit report, I could see that they refinanced the previous year so I asked them about it. They actually didn’t think that I did refinances and only did mortgages for purchases.


So when Jerry called and asked if we did refinances, again I was surprised but understand that people don’t know so it is my job to keep educating them.


“Who else do you know that needs my help?”


Image courtesy of kittsak/freedigitalphotos.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.

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Comment balloon 21 commentsJoe Petrowsky • December 28 2015 02:30PM


Good morning Joe.  If you don't tell people they will just assume, and you know what that means

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

Hi Joe.  I think we all assume that potential clients know what we do.  Nothing could be further from the truth.

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

We have something similar happen too. When a condo or home is not available at a particular community, we sometimes hear: "Oh, I didn't think you covered any other area"...

Posted by Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400, Long Island Condo & Home Sale Specialists (The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803) almost 3 years ago

That is really interesting.  I wonder why so many don't realize that.  Maybe it's something to include in your newsletter.

Posted by Women of Westchester Working Together, Women helping Women get ahead (Women of Westchester Working Together) almost 3 years ago

Good morning Joe Petrowsky ,

You are right..often someone gets a call about refinancing that sounds so good they make the decision to move forward with calling back the loan officer who did the mortgage! You do need to tell them even at closing..if you ever need to refinance..call me!

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.346.1799) almost 3 years ago

Is there something more you need to do to get the word out that you also do refinancing and not just mortgages Joe?

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

Good morning Joe. Information is key and some just don't know! Enjoy your day

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

Hi Joe: We can never assume that people know what we are doing. I tell people all the time that I am a real estate broker...again and again.

Posted by Hella Mitschke Rothwell, Hawaii & California Real Estate Broker ((831) 626-4000) almost 3 years ago

People also don't understand I can refer them to an excellent agent anywhere in the country. We need to continue to communicate what we can do!

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

Joe, I too get calls from clients asking who to call for a refinance, rather than call the lender that did their mortgage. 

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (Metro Brokers - House to Home, Inc. - Denver Real Estate - 720-231-6373) almost 3 years ago

Good morning Joe. Really good point. People don't know what we do unless we tell them and then remind them too.

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

Yes Joe Petrowsky you know what they say about Assumptions? If we assume something, then it makes an ass out of you and me.

Bill Roberts

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

Good Morning Joe:

When it comes to financing or refinancing, you and we know that this is your area of expertise among others.

Lenny and I will be meeting with you soon.

Happy New Year!

Posted by Maria Gilda Racelis, Home Ownership is w/in Reach. We Make it Happen! (Home Buyers Realty, LLC-Manchester, Bolton. Vernon,Ellington) almost 3 years ago

Good morning, Joe --- there's a good lesson here --- we always need to be telling and reminding people of the services we handle.   

Posted by Michael Jacobs, Los Angeles Pasadena Area Real Estate 818.516.4393 (Coldwell Banker Residential Brokerage) almost 3 years ago

Joe - I guess we can not assume that people know what we might think is obvious

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

Hard to imagine, but I guess we shouldn't assume anything.

Posted by Olga Simoncelli, CONSULTANT, Real Estate Services & Risk Management (Veritas Prime, LLC dba Veritas Prime Real Estate) almost 3 years ago

Joe this is such an excellent point.  What seems should be common knowledge to us, is not to everyone.  We need continually be letting people know what we do.  Make it a great day.  Mark

Posted by Mark Don McInnes, Sandpoint, North Idaho Real Estate - 208-255.6227 almost 3 years ago

Joe valuable lesson on why we can never assume, no matter how obvious it may seem.

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

Hi Joe.  You are one of the minority of people who don't ass u me anything

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

Joe Petrowsky . . . .

Right Trac Financial Group Inc. offers a menu of services.

Good luck and success.

Lou Ludwig

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

I can see that some people wouldn't get it and need to be told several times over. It is a good practice to tell them and remind them.

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