“Julia Has a Lot of Work to do but she will get to the Finish Line”

“Julia Has a Lot of Work to do but she will get to the Finish Line”



Anytime someone communicates with me letting me know right up front that they have credit issues, I never know what to expect. But when someone has been referred by a client that has similar issues, there is a good chance the results will be just as good.


I worked with Luisa for nearly a year before she got her credit where it needed to be but she was committed and has now owned a home for a couple of years. Julia is also the third referral she has sent my way. If you give someone hope and can get them to fulfill the homeownership dream, they will constantly refer friends, family and co-workers.


Hi Joe,


Luisa referred me to you. I am looking to buy a home for me and my son but don't know what the process is or how to begin. I do know I don't have the best credit, but she told me to follow your advice. When you get a few minutes, give me a call at 401 XXX-XXXX.



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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 23 commentsJoe Petrowsky • February 18 2016 05:43AM


Good Morning Joe - it sounds like with your help Julia will be able to buy a home just like Luisa.

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

I'm sure if Julia listens to your advice, she too will be a homeowner.

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

The road is not often short...but rewarding.

Posted by Sally K. & David L. Hanson, WI Real Estate Agents - Luxury - Divorce (EXP Realty 414-525-0563) over 4 years ago

Hi Joe.  Julia certainly picked the right person to call.  

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

Joe: Quality service seldom goes unrewarded. I hope Julia follows your advice and becomes a homeowner like her friend.

Posted by Anita Clark, Realtor - Homes for Sale in Warner Robins GA (Coldwell Banker Access Realty ~ 478.960.8055) over 4 years ago

That's great Joe.  You are creating all of these success stories and they gladly share the word for you.

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

Good morning again Joe. Being up front and focused makes all the difference.

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

Good morning Joe.  A gift that keeps on giving.  Now just think of how many people Julia will refer to you over the years

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

Yes, Julia made the right choice to contact you, and now she just needs to follow the plan. If anyone can help, you can!

Posted by Kat Palmiotti, The House Kat (406-270-3667, kat@thehousekat.com, Broker, Blackstone Realty Group - brokered by eXp Realty) over 4 years ago

You're doing it right Joe and your past clients know it!

Posted by Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400, Long Island Home and Condo Specialists (The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803) over 4 years ago

The hard part is from someone to pick up the hone to make the call for help.  If they want to clean up their situation it only gets better form there

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (Mapleridge Realty, CT 203-206-0754 ) over 4 years ago

Good morning Joe Petrowsky ,

You are exactly right..the effort made to help people will be remembered, appreciated and you will be rewarded.

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker Realty ~ 512.750.6899) over 4 years ago

Good morning Joe. Your patience is paying off! Congratulations! Enjoy your day!

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

Joe, sounds like you will get this potential borrower to the closing table one day too. 

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

Hey Joe Petrowsky I think you have found a never-ending pipeline.

Bill Roberts

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

Knowing where to start to clean up credit is find the right professional to guide them. I see why you get so many  new referrals.

Posted by ba`B Ratliff, "Sold with Bob" (Robert Ratliff Realty) over 4 years ago


Glad to see your referral flow, and the wonderful job you do for your clients.  A

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

Joe I get these calls fairly often, and those who are referred by others who had similar issues are normally very motivated to correct their issues, and a successful result.

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

So many people refuse to work with people who have bad credit, and it's not just the lenders but the agents, too. They think it's too much work, yet all people need our help.

Posted by Elizabeth Weintraub Sacramento Realtor Top 1%, Put 40 years of experience to work for you (RE/MAX Gold) over 4 years ago

Joe I get it when the phone call starts like that you are ready to buckle up your seat belt, lucky for her she called you, Endre

Posted by Endre Barath, Jr., Realtor - Los Angeles Home Sales 310.486.1002 (Berkshire Hathaway HomeServices) over 4 years ago

Joe Petrowsky As long as they're willing to listen, helping them is so satisfying.  It's the other ones who when asked if they've been preapproved, I get, no problem, I have 800 credit score, etc., etc. but they refuse to speak to a lender that are more problematic to me.

Posted by Elyse Berman, PA, Boca Raton FL (561) 716-7824 CRS, ABR, GRI,ePR (Best Connections Realty, Inc.) over 4 years ago

It is good when your clients know that they can trust you to help their friends too.

Posted by Bob Crane, Forestland Experts! 715-204-9671 (Woodland Management Service / Woodland Real Estate, Keller Williams Fox Cities) over 4 years ago

One of my best referral sources is a gentleman that had major credit issues that took over a year to work beyond Joe Petrowsky .   Once I got his mortgage closed, all his friends said "if she can help you, I want to talk to her".   I've closed numerous loans for his friends and co-workers.

Posted by DEANNA C. SMITH CERTIFIED MOBILE NOTARY, Highest Ranked Certified Mobile Notary in Virginia (Certified Mobile Notary Signing Agent) over 4 years ago