“$4,600 more like it with a Rate of 3.75%”

“$4,600 more like it with a Rate of 3.75%”





Hi Joe – I hope that you are having a good vacation – I have a lead for you.  Her name is Frances XXXX – My husband spoke to her.  She is a graphic artist and does a lot of work for Mass Mutual – She is looking to refinance – Her current mortgage is at 7%.  Apparently when she talked to her current lender, they offered a 4.5% rate and over 8,000 in closing costs, which sounds a little crazy.  I thought you might be able to do better. I told her that you would contact her the number is 860-XXX XXXX.



If this client was not referred she would have paid more for closing costs and a higher interest rate. How does this happen? When servicers contact borrowers they could care less about keeping the business or any future business. It is strictly a numbers game. The public thinks they are getting a good deal because this particular company is already collecting payments from them and many just think that is the best they could get.



Frances was fortunate to be referred and will save lots of money, but if she wasn’t referred she might not haven’t know there was a better option.


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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 10 commentsJoe Petrowsky • August 31 2016 11:42AM


We recommend lenders very carefully...with an eye to great service and savings...good for Frances !

Posted by Sally K. & David L. Hanson, WI Realtors - Luxury - Divorce - Short Sale (Keller Williams 414-525-0563) over 1 year ago

I wish that I was able to send buyers to you in Maryland, DC and Virginia. Maybe sometime in the future!

Posted by Lise Howe, Assoc. Broker and Attorney Licensed in DC, MD, VA, (Keller Williams Capital Properties) over 1 year ago

I'm glad she found her way over to you.  That's some nice savings.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) over 1 year ago

Well, Joe Petrowsky you're about to save another one a chunk of change!!!

Posted by Barbara Todaro, "Franklin MA Homes" (RE/MAX Executive Realty ) over 1 year ago

Good morning Joe. A referral network saved her a chunk of change and gained you another satisfied customer! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker (Wayne M Martin) over 1 year ago

This I believe after the numbers you ahve given me over the last few weks, Joe Petrowsky . Great post!

Posted by Sandy Padula and Norm Padula, JD, GRI, Presence, Persistence & Perseverance (Realty One Group) over 1 year ago

Hi Joe Petrowsky - Borrowers should know that your expertise can save them a lot of money.  Taking a line from another company "Your in good hands" with Joe!

Posted by Sheri Sperry - MCNE®, (928) 274-7355 ~ YOUR Solutions REALTOR® (Coldwell Banker Residential Brokerage) over 1 year ago

Good morning Joe and I hoped you enjoyed your vacation. This is incredible.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 1 year ago

Hello Joe!!  People put too much faith in others and need to do some of their own research to get the facts. Thankfully, this woman was saved by the referral to YOU. 

Posted by Kathleen Daniels, San Jose Homes for Sale-Probate & Trust Specialist (KD Realty - 408.972.1822) over 1 year ago

Joe Borrowers need to check rates and closing cost carefully and make sure they are not being taken advantage of.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 1 year ago