“Best for the Client”

              “Best for the Client”



My client was looking to obtain a mortgage on a three family that has no existing mortgage. It would have been a very easy mortgage to do, but it was not the right solution.


Based on the purpose the money was going to be used for, the best solution was a home equity line. Sure we do them, but the bank that I sent him to does not charge any fees for this loan product. I always want what is best for the client that is why I referred him to one of my banker referral partners.



Hello Joe,

Thank you so much for the referral for XXXXXXX. We spoke with him yesterday morning and he came in and put through his home equity line of credit application within an hour of us speaking with him! The application is in progress so we will hopefully hear back shortly on that! Really appreciate the referral and I will be looking to send anything over your way whenever I can!


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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 28 commentsJoe Petrowsky • June 15 2016 11:39AM


Client first is always the way to win the day Joe Petrowsky you have a client for life (and referrals) on this well done job.

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

Joe Petrowsky It's always what is best for the clients.  Have a great day!

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

Good morning Joe Petrowsky,

Once again you show why it is so important to always put the client first!! Lisa Von Domek is right..you have a client for life (and referrals)!! Great job!

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

Hi Joe.  This is why folks keep coming to you for loans.  You provide the best solutions even if it's not your product.

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

You're ethics are unimpeachable Joe - that's why you're the go to Mortgage Man - thanks for sharing

Posted by Jennifer Mackay, Your Bay County Florida Realtor 850.774.6582 (Counts Real Estate Group, Inc.) about 4 years ago

Good morning Joe. Sometimes it is best to be the source of the source and not the source! Enjoy your day!

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

Keeping that mentality will always get you more business. Do the right thing the first time for the client.

Posted by Harry F. D'Elia III, Investor , Mentor, GRI, Radio, CIPS, REOs, ABR (RentVest) about 4 years ago

Best For The Cleint...that's the way it should be!

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 4 years ago

I'm convinced the reason why you've continued to be so successful throughout the years is because you serve the pubic with truth and integrity each and every time. You're someone they trust and I do too!

Posted by Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives (DFW FINE PROPERTIES) about 4 years ago

When you do what's best for the client/customer you always win!!!

Posted by Kim Johnson, Selling South Florida (Signature Realty Inc.) about 4 years ago

Putting the interest of the client first, it's classic "Joe".

Posted by Jenna Dixon, Empowers You With a Better Real Estate Experience (DRA Homes | Cobb County Real Estate ) about 4 years ago

Good for the client to know his alternatives which are not always doing business as they imagined.

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

Hi Joe, this is one of the reasons why you're very successful. Putting the interest of the client will open up even more doors to you. 

Posted by Beth Atalay, Cam Realty of Clermont FL (Cam Realty and Property Management) about 4 years ago

Good morning Joe. You do as well as you do because you have integrity and always do the right thing. Karma.

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

Hi Joe -- impressive.   Doing what is best for the client is a hallmark of your professionalism in your field.  I'm glad you are a part of the ActiveRain membership.   

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 about 4 years ago

Nice, Joe - you definitely have the client/customer's interest at heart. It's no wonder so many people trust you.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) about 4 years ago

Hi Joe Petrowsky It would be very illuminating to know why the HELOC is a better choice.

Bill Roberts

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

Hi Joe, HELOC's are great products under the right circumstances.  Good job putting your client first. I have a lender I use that doesn't have access to them, so when someone needs an 80/15/5 or similar product, I have to suggest other sources. 

Posted by Dan Tabit (Keller Williams Bellevue) about 4 years ago


I think you should be cloned, you are such a wonderful example of the industry. A

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

Putting your clients first is what keeps people coming back to you.  We can't be the total solution to everyone.  Knowing our limitations is very important.

Posted by Belinda Spillman, Colorado Living! (Aspen Lane Real Estate Colorful Colorado) about 4 years ago


Your did what  was best for your client . . . . Great job.

Good luck and success.

Lou Ludwig

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

Sorting it all for the client is what a great mortgage officer does...here you have it Joe...kudos!

Posted by Ginny Gorman, Homes for Sale in Southern RI and beyond (RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate) about 4 years ago

Nice work, Joe. You are so right. You have to take care of the client the best you can. 

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

I always learn something from you Joe, thanks for sharing.

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

Joe when we do the right thing like you did, it ends up coming back to us two-fold.

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

If it is best for the client for another professional to help them then it is important to refer them.

I sent one to one of my competitors today too.

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

Good Morning Joe - it is always best to do the right thing for the client.  Clients know that you stand for integrity!

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