“So Wise to Get the Mortgage Part Handled First”

“So Wise to Get the Mortgage Part Handled First”





Good morning,

     I was referred to you by Jessy XXXXXX. I am looking to start the process of purchasing my first home and she advised me that you were AMAZING with helping her with the process. Any information would be great as I have no idea where to start.




After reviewing credit, a couple of collection accounts showed up that she indicated were not her obligations. She is now in the process of getting this issue resolved.


The second issue was that she took a new job 18 months ago. Part of her current income includes commission, which she didn’t have previously. Unfortunately, the commission cannot be counted into her debt ratio until she has received it for 24 months.


A few months from now she will make a great homeowner.




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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 5 commentsJoe Petrowsky • February 20 2018 03:18PM


We insist that our prospects and / or clients obtain pre approval asap !

Posted by Michael J. Perry, Lancaster, PA Relo Specialist (KW Elite ) over 1 year ago

Any additional income besides your W2 needs to supported for at least 2 years!!!  The commission cannot be counted into her debt ratio until she has received it for 24 months.


Posted by Sham Reddy CRS, CRS (H E R Realty, Dayton, OH) over 1 year ago

I "So"Agree with that Joe Petrowsky ! In the old days when customers first met you in the office that was the first thing we talked about...then the house search. Ver wise indeed!

Posted by Marco Giancola, Realtor (305)608-1922, Miami Beach Florida (Beachfront Realty) over 1 year ago

Sometimes it takes a little time to be totally ready to purchase a home, which is why buyers should contact you way ahead of time!

Posted by Kat Palmiotti, The House Kat (Grand Lux Realty, Monroe NY, 914-419-0270, kat@thehousekat.com) over 1 year ago

Good mornng Joe. Taking the time to counsel fills the pipeline and generates referrals. Enjoy your day!

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