“My Bank Can’t do My Mortgage”`

    “My Bank Can’t do My Mortgage”






Mr. Petrowsky,

My Realtor Jim XXXXXX gave me your contact information. I recently met with my banks to get pre-qualified for a mortgage. After a couple of weeks, they let me know they couldn’t help me because my credit scores are too low. They let me know my mid scores is 592 and the lowest score they will do is 640.

Jim indicated that you have done many mortgages for his clients that had scores similar to mine. So, when can we speak so that I can review my information with you?




The crazy part of this is the bank loan officer ended up referring the same client to me. They know we can do mortgages for clients with a credit score as low as a 500. Even though we can do scores that low, not everyone will qualify for a mortgage for one reason or another. In some cases, we need to work with the client to get their credit issues repaired and then get them pre-qualified.


Not the case for Beth, we can get her a mortgage immediately and I also coached her on some credit repair. She might be able to improve her scores prior to finding a home.


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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 • March 06 2019 03:10PM


Another happy client! Great job.

Posted by Kat Palmiotti, The House Kat (Grand Lux Realty, Monroe NY, 914-419-0270, kat@thehousekat.com) 4 months ago

If anyone can do the loan, it's Joe Petrowsky 

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) 4 months ago

Good mornig Joe. Banks only serve  up vanilla. Most are in the chocolate or strawberry corner. Some even prefer exotic flavors. Call Joe! Enjoy your day! 

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

Good morning Joe. Just incredible. Babks want just the best loans but you can and will do better.

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

Morning Joe.

Good to hear you can help Beth in her quest to live the American dream.

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) 4 months ago