“I was NOT aware that you also did Refinances”

    “I was NOT aware that you also did Refinances”



This happens from time to time and it is truly frustrating. I received a call while I was out of state from a past client that I did a mortgage for 8 years ago and he told me that he wanted to get pre-qualified for the purchase of another home.


When I ran his credit it showed that he refinanced two years ago. When I asked him about it he said that he received a call from the company that currently is servicing his mortgage, offering to do a refinance.


When I asked him why he didn’t call me to handle the refinance, he said he wasn’t aware that I did that. The tough part is that I tell everyone that I do a purchase mortgage for that I also do refinances. Unfortunately I didn’t do a good job sharing the information, Shame on me.


I handled a pre-qualification for him and not 2 days later he referred a co-worker that wanted to refinance. 


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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 20 commentsJoe Petrowsky • April 26 2016 05:35AM


Some people just don't pay attention, but this worked out well anyways Joe.

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

Oh yes, I can relate.  I tell all my customers we do hardwood, carpet, etc and yet I've had some call other places to do the other project because they didn't realize I did carpet.  More often they do call and/or the conversation goes like "oh, then let me show you this area, too" but sometimes it just doesn't stick in their head.

One thing that helps is a newsletter.

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

Realtors run into the same issues...some people think if you list...you don't work with buyers...we do both and try to keep reminding people.

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

I am sorry that your client was not listening when you mentioned your services to him. It has happened to me too.

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

It does make you wonder why a past client doesn't realize you handle other areas and not just the one they used you for.

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) about 3 years ago

Good morning, Joe. You know, I've heard this very same complaint from lenders here in the Charlotte area.

Posted by Nina Hollander, Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor (Coldwell Banker Residential Brokerage ) about 3 years ago

Joe Petrowsky - I can feel the frustration in your post. This is a good reminder to all of us to continually market and engage our past & present clients.  We are a society of now and if someone is right in front of you, you are likely to go with them.  Thanks for sharing this story with us.

Posted by Sheri Sperry - MCNE®, (928) 274-7355 ~ YOUR Solutions REALTOR® (Coldwell Banker Residential Brokerage) about 3 years ago

Joe, that is interesting a past client would not know you can refinance also.   They do now!  

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

Joe Petrowsky  You lost one but received a referral not too bad ..Have great day

Posted by Hannah Williams, Expertise NE Philadelphia & Bucks 215-953-8818 (Re/Max Eastern inc.) about 3 years ago

Good morning Joe. It happens. Priorities for consumers are not the same as ours and if we don't continually remind the...well you know.

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

Hi Joe Petrowsky This can't be "news" to you that people don't pay attention.

Bill Roberts

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

I've had past clients not refer people to me simply because they thought I was too busy. I've had to tell them I'm NEVER too busy for a referral. 

Posted by Nicole Doty - Gilbert Real Estate Expert, Broker/Owner of Zion Realty ZionRealtyAZ.com (Zion Realty) about 3 years ago

Ouch Joe, that hurts .... it seems that after you preapproved the client your message stuck that time ... and he referred a co-worker for a re-finance.  

Posted by Kathleen Daniels, San Jose Homes for Sale-Probate & Trust Specialist (KD Realty - 408.972.1822) about 3 years ago


Some people just don't understand, which is why we ocasionally find ourselves repeated ourselves. A

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

Joe, it is irritating when we lose one, but I am sure the referral made up for a little bit of that.

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

It happens...it is never pleasant to discover it, but it does happen.

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) about 3 years ago

You are the one stop shop Joe. It is too bad people can't think to ask about the full range of services available Joe.

Posted by Noah Seidenberg, Chicagoland and Suburbs (800) 858-7917 (Coldwell Banker) about 3 years ago

Joe I agree at the same time we can not have all of them... I blame myself that I do not stay so close in touch as I should and do not communicate all the things I do, Endre

Posted by Endre Barath, Jr., Realtor - Los Angeles Home Sales 310.486.1002 (Berkshire Hathaway HomeServices) about 3 years ago

Hi Joe.  All you can do is to try and get the word out to as many folks as you can.

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

I thought that anyone who writes mortgages also writes refinances.....am I wrong?

Posted by Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional, Palm Harbor, Dunedin, Clearwater, Safety Harbor (Charles Rutenberg Realty) about 3 years ago