“No one Can Help Us”

 “No one Can Help Us”





Mr. Petrowsky,

We have been renting the home we live in for over 6 years. Our landlord offered to sell us the home, but we have not been able to obtain a mortgage. The issue is that we have no credit scores. We deposit all of our income to our debt card account and pay all our bills this way, but as I mentioned nothing shows up on the credit report. Can you help us?

By the way your name was given to me by our landlord, he gave us your name when we were telling him we couldn’t get a mortgage. He told us, if you can’t get us a mortgage no one can.




It is not usually a deal killer for clients that have no credit scores to get a mortgage. We do them all the time, as long as the client has at least three lines of alternative credit. All should have at least 12 months of payment history. Alternative credit are items like cell phones, utilities, insurance, memberships, and many others.


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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 4 commentsJoe Petrowsky • November 13 2020 01:03PM


Non Traditional Credit candidate ? Never say never when it comes to obtaining Financing !

Posted by Michael J. Perry, Lancaster, PA Relo Specialist (KW Elite ) 21 days ago

no credit is better than poor credit.... 

Posted by Barbara Todaro, Previously Affiliated with The Todaro Team (RE/MAX Executive Realty - Retired ) 21 days ago

Some just don't know the facts until they ask the right professional. Thankfully they took that first step.

Posted by Pete Xavier, Outstanding Agent Referrals-Nationwide (Investments to Luxury) 21 days ago

Good morning Joe Petrowsky great post and example of thinking outside the box to get the job done!

Posted by Rocky Dickerson, Superior Service! (Realty One Group) 21 days ago