“Not the Right Time for Me to Buy”

  “Not the Right Time for Me to Buy”






Hi Joe,

I wanted to let you know that I have decided not to pursue the purchase of the property and wanted to thank you for all of your help along the way.  After looking at what my mortgage payment and utilities would cost along with the renovations that I would have to do to make it work, it just is not financially feasible for me at this time. By next year I will have paid down most of my credit card debts. I promise to communicate with you again in the future and will refer anyone that I come in contact with that may need a mortgage.

Sincerely, Karen



Karen made the right decision for now. She will be much more comfortable with a home purchase once she has paid down her credit card debts. It is never good when you take all savings and use it for a down payment and closing costs.


I shared with her many times throughout this qualifying process that she needs to keep some dollars in reserve in case there was any kind of emergency or immediate repair that was required.


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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 7 commentsJoe Petrowsky • November 30 2018 07:28PM


Good morning Joe. Some people take responsibility for their actions and do not overreach! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) 10 months ago

Great idea!!!

She will be much more comfortable with a home purchase once she has paid down her credit card debts. It is never good when you take all savings and use it for a down payment and closing costs.

Posted by Sham Reddy CRS, CRS (H E R Realty, Dayton, OH) 10 months ago

There is a  smart client.  She will be a solid buyer when she calls in the spring

Posted by William Feela, Realtor, Whispering Pines Realty 651-674-5999 No. (WHISPERING PINES REALTY) 10 months ago

Timing is everything. When to play them, when to hold them. It is like a deck of life cards to avoid 52 pick up Joe Petrowsky ! She'll be back.

Posted by Andrew Mooers | 207.532.6573, Northern Maine Real Estate-Aroostook County Broker (MOOERS REALTY) 10 months ago

I love when people make the smart decision to wait, when they aren't in the place they need to be.  

Posted by Kat Palmiotti, The House Kat (406-270-3667 (MT), 914-419-0270 (NY), Broker in NY with Grand Lux Realty and in MT with (coming soon!)) 10 months ago

Good morning Joe. Always smart to be mindful of the realities. I'm sure she will be in touch.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) 10 months ago

It takes some courage to put the breaks on a home purchase and sounds like Karen has made a smart decision for herself.

Posted by Francine Viola, REALTOR®, In Tune with your Real Estate Needs (Coldwell Banker Evergreen Olympic Realty, Olympia WA) 10 months ago