“I Can’t Get the Refinance Done as of Yet but...”

“I Can’t Get the Refinance Done as of Yet but...”



I can assist this client with finding a company that can get a vehicle loan for him. It is such a gift that he thinks enough to ask and as it turns out, I handled a referral for him. It also makes me look good in the eyes of the bank that originally referred him to me.


Hi there –

I need a vehicle loan, do you have a referral for me. The original loan we were working on getting was a $12,000 loan.  We bought a Honda Odyssey for the Academy's Afterschool program for $12K.  the dealer didn't have any good options for a business loan so we bought it outright. We talked to our banker –(before we got put in touch with Ted) and he felt getting a loan to pay my wife back and start having the business making payments wouldn't be an issue at all.  Well, then the whole short sale thing came up - and we couldn't get the loan.  SO....  after all that - any ideas about a loan for $12K?  Is that any easier than the refi?



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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 18 commentsJoe Petrowsky • May 19 2016 01:24PM


Good morning Joe. Helping folks like this will come back and help you in return.

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

Thanks, Joe, for sharing this story and some of the elements of your very successful referral program.

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

I love giving out referrals.  It helps 2 people at once.  It makes my day.

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

Good morning again Joe. I think youarethe person who knows about financing period.

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

Joe, of all the people I know, you are definitely the REFERRAL person .. it is amazing at all the referrals you get. But, I know you really work at it.

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

Good morning Joe. Sometimes being the source of the source is better than being the source! Enjoy your day!

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

Good morning, Joe -- problems or issues happen and you find solutions.  That's how businesses succeed.  

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

Joe Petrowsky  Finding solutions and problems seems to be your specialty

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

And with your advice I am sure they will be doing the re-fi as soon as time allows too.

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

Wow Joe Petrowsky I'm impressed. Alender that does commercial vehicles?

Bill Roberts

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

Joe, indeed being trusted and respected as a resource for needs outside our wheelhouse is a very good thing. 

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

Well done, as always, Joe Petrowsky .  It's what we all strive for, to be helpful to our clients in their needs...having excellent referral partners in different arenas is another way we provide service to our clients.  

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

It is great that folks look to you for answers about many things in life.  Glad you were able to help them out.

Posted by Belinda Spillman, Colorado Living! (Aspen Lane Real Estate Colorful Colorado) over 3 years ago

Hi Joe - what comes around goes around.  It is great giving out referrals.

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

So many positives to helping people when they are in need, Joe Petrowsky ... and I've found that typically, the fact the help was offered returns much more down the line.  It's the right thing to do as a human, but it's also the smart thing to do for your business.


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) over 3 years ago

What comes around goes around. Good for you Joe.

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

Joe good job.  You are a referral machine my friend :)

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


Some days are more challenging then . . . . and some customers become easy to get everything worked out for them . . . . and others are more challenges to help. When everything is said and done you do your best . . . . for all of your customers.

Good luck and success.

Lou Ludwig

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