“When Bad Things Happen to Good People”

“When Bad Things Happen to Good People”



These folks were a referral from one of the banks that is a referral partner of mine. They can’t do this mortgage but this is definitely a mortgage we can do.


When I see situations like this I get on a mission. There has to be something that can be done. Fortunately we have a number of lenders that can do a mortgage for these clients. When I spoke to the wife she broke down and cried. They will be wonderful homeowners in the next couple of months:


My husband was diagnosed with cancer and under gone an operation, chemo and radiation therapy needless to say we had some accounts that went into collections.


We were able to clear up all of the medical expenses and are making monthly payments on others. As we were in the process of making headway my husband got laid off due to the economy lack of work which resulted in falling behind on our mortgage payments and had to do a short sale.


Since then my husband has retired with three pensions and social security and I work full time, together we gross approximately 90k per year. We now have secured income and would love to own our own home again. We are currently renting and pay $1550.00 monthly by check and have excellent payment history with our landlord for over 2 years now. Also we recently got approved for a car loan and have been paying on that loan for the past 4 months on time every month and our secured credit card has become unsecured due to our payment history which is excellent.


“Who do you know that needs my help?


Image courtesy of Phanlop/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.

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 • December 29 2015 05:40AM


Good morning, Joe Petrowsky ....you do such a great job, and your posts that describe what YOU can do and other institutions can't and/or won't do is all one needs to read....

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) over 4 years ago

Hi Joe.  You make mortgages happen where others just say no.  Wonderful.

Posted by Conrad Allen, Webster, Ma, Realtor (Re/Max Professional Associates) over 4 years ago

I'm so glad that you can help folks like this, Joe.  And while I don't wish you more competition, I find it terrible that the banks refuse to do so.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) over 4 years ago

What a wonderful story - I hope that 2016 brings you lots of clients who need your help! 

Posted by Lise Howe, Assoc. Broker in DC, MD, VA and attorney in DC (Keller Williams Capital Properties) over 4 years ago

Joe, I love reading your blog and read stories like this one. You do an excellent job and pay it forward daily.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate (Vision Quest Realty) over 4 years ago

Good morning Joe.  It appears they have listened to the Joe Petrowsky school of getting your credit back on track..

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) over 4 years ago

So glad you're able to help them, Joe.  It sounds like they've been through a lot and have worked so hard at getting back up on their feet.

Posted by Women of Westchester Working Together, Women helping Women get ahead (Women of Westchester Working Together) over 4 years ago

Joe, You always do a great job for your clients.I wish you were licensed in Pa.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) over 4 years ago

Indeed bad things happened to these good people, but I'm glad you were able to help them out Joe.

Posted by Roger D. Mucci, Lets shake things up at your home today! (Shaken...with a Twist 216.633.2092) over 4 years ago

Good morning Joe. Now this is a case where they deserve help. Glad it was you! Enjoy your day

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 4 years ago

These are the kind of people that will work hard to keep their home and you want to help. I am glad that you are the one to help them.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) over 4 years ago

Good morning Joe. Reading this I was taken by how very lucky I am. So many suffer unspeakable hardships. You are the best.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 4 years ago

Joe Petrowsky Everybody has a few warts. It is good that some lenders recognize this fact, and aren't looking for "perfect" credit. Shame on the banks.

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) over 4 years ago

Bad things do happen to good people, Joe. I've come across my fair share of them over the years and there's no better a feeling than when I and one of my mortgage lenders can help them achieve their dream of home ownership.

Posted by Nina Hollander, Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor (Coldwell Banker Realty) over 4 years ago

That's quite a journey those folks have been on but they are now working with the right lender to make their homeownership dreams a reality once again!

Posted by Nicole Doty - Gilbert Real Estate Expert, Broker/Owner of Zion Realty ZionRealtyAZ.com (Zion Realty) over 4 years ago

Joe, glad this couple now have some positive energy in their lives, and you are able to do the loan! 

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) over 4 years ago

Hello Joe,

A perfect example of folks that were hit with hard times and made their way back.  Best wishes on their home search - they are so fortunate to have you in their corner for their loan!

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) over 4 years ago


What a great story!  Glad these people were referred to you.  There was a time when banks had a humane side to them...A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) over 4 years ago

Joe: Most organizations don't give a hoot, people are just numbers. Glad to see you see the people behind those number.

Posted by Hella Mitschke Rothwell, Hawaii & California Real Estate Broker ((831) 626-4000) over 4 years ago

Joe sounds like they bounced back from major issues, and came to the right person to help them with the mortgage.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 4 years ago

Those are all major issues any one of which would have been too much to overcome.  Hope this goes smoothly for them.

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (RE/MAX Professionals, CT 203-206-0754 ) over 4 years ago

Great story Joe, medical issues are heart breaking.

Posted by Noah Seidenberg, Chicagoland and Suburbs (800) 858-7917 (Coldwell Banker) over 4 years ago

Joe- how lucky these people were to find you!  You are making sure they have a Happy New Year. 

Posted by Kathy Streib, Home Stager - Palm Beach County,FL -561-914-6224 (Room Service Home Staging) over 4 years ago

That is another great story from you with a happy ending. Thanks for sharing, Joe. 

Posted by Debbie Laity, Your Real Estate Resource for Delta County, CO (Cedaredge Land Company) over 4 years ago

When Joe Petrowsky is on a mission to get the job done . . . . He does.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) over 4 years ago

Hi Joe - that is an all too common situation.  I am glad that you will be able to help them.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) over 4 years ago

Joe, there are always situations where good people ask themselves, why us when things go very wrong. BUT! With faith and perserverance AND having an angel come into their midst (yes, divine intervention sometimes, but building intention also brings it) they can move through towards their dreams. I love when you tell us your "missionary" stories!

Have a wonderful New Year's eve with Gail. 

Posted by Gayle Rich-Boxman Fishhawk Lake Real Estate, "Your Local Expert!" 503-755-2905 (John L Scott Market Center) over 4 years ago