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.
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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
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.