“I’m Ready!”

     “I’m Ready!”






Hi Joe,

You worked with me earlier this year. At the time my credit was a mess and you coached me to a much better place. The only current obligation that I have is my car payment and a small balance on a credit card. Please update my credit report, I would like your feedback as I feel I am ready to begin the home search right after the beginning of the year. I am due for another raise in Feb, but want to use the income numbers that you already have. Since we already discussed the type of mortgage that is best for me, I will need a pre-qualification letter at your earliest convenience.

One more thing, at the time we spoke I indicated that I already had a Realtor, that is no longer the case, can you send me a referral.

I have a co-worker that I will be sending your way right after the holidays.

All the best, Beth. 



It is such a good feeling working with clients that want to purchase a home, especially their first home. As we go through the pre-qualification process, many don’t truly understand their credit. When I find issues, I review everything with the client, knowing there are often mistakes on the report.


Beth’s credit report had several issues, some of which were errors, so I needed to coach her on fixing them. Just because someone says they don’t owe a debt or that they don’t know anything about an item, doesn’t mean it goes away. There is a process to get these items corrected and, in many cases, completely taken off the credit report.


Beth will make a wonderful homeowner in 2020.


Subscribe to my blog via Email:


Enter your email address:

Delivered by FeedBurner


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



Like me on facebookfollow me on twitterConnect with me on linkedin

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 6 commentsJoe Petrowsky • January 14 2020 04:02PM


Good morning, Joe Petrowsky everyone loves to hear the words "I'm Ready"... I hope you hear them often...

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) 5 months ago

Keepup the good work!!!

It is such a good feeling working with clients that want to purchase a home, especially their first home. As we go through the pre-qualification process, many don’t truly understand their credit. 

Posted by Sham Reddy CRS, CRS (H E R Realty, Dayton, OH) 5 months ago

Good morning Joe. A couple of nice phrases, "I'm ready" and "I have a referral"! Sweet! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) 5 months ago

Happy Friday .I hope you have a great weekend and enjoy!

Posted by Joe Jackson, Clintonville and Central Ohio Real Estate Expert (Keller Williams Capital Partners Realty) 5 months ago

Good morning Joe. I think you are a steady, kind and wonderful lender who really listens. Beth is lucky she found you.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) 5 months ago

That sounds good to me and kudos for you coaching and not charging a fee. your reward is the client being ready and referrals.

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) 5 months ago