“Take That Deal!”

“Take That Deal!”





Hello Joe,

I hope all is well! I wanted to give you someone who you might be able to help that unfortunately our bank couldn’t. Her name is Connie, she is interested in purchasing a 4 family building that will be used exclusively as rentals. She already has 4 tenants in there, the current building owner is older and is looking to get out of the business. She was looking at a 15-year option for $310K. She was talking with another bank and they gave her a rate of 3.25%. Maybe you have something that would work better. Again, her name is Connie and can be reached at 860-XXX-XXXX. Hopefully you can help her out! Thanks!



I wish I could do better, but not the case. I told Connie that she had an outstanding offer and to move forward with the mortgage application. I let her know the best rate I would have available for her was 3.75%. She wisely asked why my rate was a half percent higher. I spent a few minutes explaining things like credit scores, down payment and debt ratio.


She let me know that she was going to call the bank again to make sure that she fully qualified based on their criteria.


I wish I could do every loan, but that will never be the case.


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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 11 commentsJoe Petrowsky • August 10 2016 11:50AM


No, none of us can help everyone.  And, sometimes people have an offer that just sounds too good to be true.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) over 2 years ago

Joe Petrowsky - You were there for your customer and another potential customer when you were needed.  Good karma is good karma!  


Posted by Sheri Sperry - MCNE®, (928) 274-7355 ~ YOUR Solutions REALTOR® (Coldwell Banker Residential Brokerage) over 2 years ago

Good morning Joe,

You have kept the door open just in case.

Make yourself an astonishing day.

Posted by Raymond E. Camp, Licensed Real Estate Salesperson Greater Rochester (Howard Hanna Real Estate Services) over 2 years ago

Good morning Joe. You can't win them all and you certainly get your share. Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 2 years ago

Joe Petrowsky You can't be 'All Things for All People' but you sure come damn close. Great post.

Posted by Sandy Padula and Norm Padula, JD, GRI, Presence, Persistence & Perseverance (Realty National) over 2 years ago

Good morning Joe and well done. I find it hard to believe the 3.25% was real but if it was....

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 2 years ago

Good Morning Joe - being the trusted to mortgage person she was probably happy that you told her that she had the best deal.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) over 2 years ago

Good morning Joe, we don't get them all, but being helpful and honest is the only way to go!

Posted by Andrea Swiedler, Realtor, Southern Litchfield County CT (Berkshire Hathaway HomeServices New England Properties) over 2 years ago

Well Joe Petrowsky The true proof of your value is that they come to you. Even if they already have an existing offer that can't be touched. And who knows? Maybe that "offer" will evaporate before the deal is done, and then they will be back.

Bill Roberts


Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) over 2 years ago

Joe that is amazing she has a rate of  3.25% on a 4 unit property and she is shopping around.  I think you are better off not getting this one.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 2 years ago

Hard to believe the other rate Joe Petrowsky and I have a feeling it will turn out that was a 1-day offer on that number

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) over 2 years ago