“Yes, We Can Work Together Again”

   “Yes, We Can Work Together Again”







Mr. Petrowsky,

You did a pre-qualification letter for me in September, but unfortunately I didn’t do my mortgage application with you. I allowed my agent to influence me and use someone else, what a mistake. Long story short, I was denied for the loan as the bank said my debt ratio was the problem and want to know if I can work with you again? I want to begin a home search again as soon as possible.



Yes, her debt ratio is on the high side, but not to the point that I can’t get her a mortgage. It is not uncommon for banks, credit unions and other lenders to limit debt ratios below what is allowed, especially when doing an FHA loan.


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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 2 commentsJoe Petrowsky • February 20 2020 04:41PM


Good morning Joe. Multiple funding sources and years of knowledge make a mortgage broker a wise choice. Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) 7 months ago

Good Morning Joe Petrowsky 

Buyers should always have a Plan "B" if Plan "A" doesn't work out. 

Posted by Doug Dawes, Your Personal Realtor® (Keller Williams Realty - Topsfield, MA) 7 months ago