Name
Joe Petrowsky
Company
Joe Petrowsky NMLS# 6869 - Right Trac Financial Group, Inc
E-mail
Contact Joe Petrowsky (Joe Petrowsky NMLS# 6869 - Right Trac Financial Group, Inc )
Google Profile
Find me on Google+
Website
http://www.righttracfg.com
Office Phone
(860) 647-7701 x 116
Cell Phone
(860) 836-9294
Fax
(860) 647-8940
Address
110 Main St., Manchester, CT, 06042
Description
Joe Petrowsky NMLS# 6869 Licensed mortgage broker in CT, MA, RI, VT, ME, NY, FL and "Licensed by the New Hampshire banking department" President of Right Trac Financial Group, Inc NMLS# 2709

My Beliefs

I have the belief, that anyone that wants to own a home, should be able to. No one works harder to accomplish this goal. I am not willing to focus on the problems, but rather the solutions. Will always be realistic with each client to make sure they don't over extend themselves.

When refinancing is the goal, will make sure it is in the clients best interest to do so. I spend a lot of time with the client, getting to know them, there needs and wants. It is my responsibility to make sure the client is offered the best possible mortgage.

 

Areas of Expertise

 

Joe Petrowsky NMLS# 6869 has been a Mortgage broker for over 30 years. As President and Loan Originator of Right Trac Financial Group, Inc. NMLS# 2709 he offers Conventional, Jumbo, FHA, FHA 203 K, VA, USDA, Reverse and Commericial mortgages. Email address: joe@righttracfg.com


We always want to make sure everyone that wants to own a home, can do so. To make sure that anyone that wants to buy a home, can and if the home needs to be renovated, a mortgage can be obtained to accomplish that goal as well.
We want to make sure that when someone wants to refinance their home can do so, because the numbers make sense.
To make sure that the folks that have credit challenges don't give up hope. We can coach them to improve their credit.

Specialties

Licensed to do mortgages in 8 states, CT, MA, RI, VT, NH, VT, NY and FL.  I will always protect the best interest of each and every borrower by qualifing them for a home and payment they can afford. I will make the commitment to assist each client through all credit issues, in order to improve their credit scores, which will always mean a better interest rate.

Testimonials

"Joe Petrowsky is the best person to have on your side when going through a mortgage process. His due diligence and attention to detail provides his clients with beyond top notch service that is complemented by his strong network of professionals ready to assist if needed. When Joe is working for you, you have the best working on your behalf. I would recommend anybody looking to get a mortgage or refinance to speak with Joe Petrowsky, his years of experience will get you the best mortgage for your needs."

Steve Bennett May 15, 2013

 

"You can tell Joe has a kind and caring heart the instant you meet him. By the end of your first meeting, you'll realize you're talking to an expert. Maybe artist is a better word than expert. This is a man who has carefully spent years perfecting his craft. He's the most effective real estate professional I've ever met, and probably the nicest guy in the world.  Thank you for everything Joe!"

John Demma April 16, 2013

 

 "I highly recommend Joe Petrowsky as a mortgage banker. He understands the details and the importance of timing while working on a transaction team.

Client’s trust and confidence are important factors to have and I believe that Joe Petrowsky has these qualities and works to get the transaction closed, successfully.

I advise my clients to go through the preapproval process, prior to looking at homes. You need to know your numbers and also, what programs that may be available to you that will save you money. Be sure to contact Joe, today, to begin your home purchasing process. He will be happy to meet with you and provide me with a solid preapproval letter to better assist us with our home purchase negotiations, going forward.

Sincerely,

Fran Rokicki
http://www.FranRokickiIsAnExpert.com"

"I was referred to Joe from a friend and for this I am grateful. Joe is compassionate and an expert in his field. He made me feel at ease under difficult circumstances. My husband and I can't thank him enough.
We need more "Joe's" in this world."

 

J. Renee Irvin, CMPE, CPC, CEMC, CHCC, CPMSM-R

December 29, 2012

 

Dear Joe,

"My principle and mission in doing business "is to provide the best quality service to my clients."

Therefore, I refer clients to a service provider who reflects and embodies the same principle and mission as it is an extension of what I pledge to do. "To watch out for my clients' best interest."

Joe Petrowsky does not only embrace the same level of quality service a professional should exert for the clients. He also provides unparalleled expertise in the mortgage industry to furnish the clients information and options so that the clients can make a better decision.

I will highly recommend clients to Joe Petrowsky as I do believe that they we will be in good hands.

Sincerely,

Maria Gilda Racelis, August 15, 2012

 

"I have known Joe for over 25 years. I have represented him as a client and I have been a client of Right Trac Financial myself. There is no one who can match Joe's abilities, talent, skills and his deep down desire to help people gain or retain homeownership and the "American Dream". I have seen Joe at his most creative when folks have hit hard times -- Joe finds a way to obtain financing for them and to get the job done. Joe cares, Joe understands, Joe will provide all nthe time and effort needed to get a deal done. He works hard to get a deal done in a timely fashion. Joe cares about his clients and he puts his all into the task before him, always full of encouragement, honesty, integreity and sincereity." August 12, 2012

Randy Kirsh

 

"Joe Petrowsky is one of the best. He brings a level of experience, intelligence and sophistication to his approach that is really unmatched. Joe seems to thrive on the most difficult transactions, and it's obvious to those who know him that he has been through it all! But perhaps most importantly, I can tell Joe places the greatest value on providing a high level of service to his borrowers and improving their overall financial situation through the loan process. When we sit down for a closing, I can always see that his advice and counsel throughout the loan process is truly appreciated by his borrowers. On my own and on behalf of all of those happy borrowers, I am happy to endorse Joe Petrowsky." May 3, 2012

Jason Doucette

"Joe has helped me and my clients several times over the past few years. He came highly recommended, and has certainly lived up to his reputation of providing exemplary service for good value. My clients and I are grateful for his excellent service and responsive staff." April 30, 2012

Kevin McCann 

"Joe is one of the most ethical mortgage broker/bankers I have had the privilege of being associated with. I have know Joe since 1998 and highly recommend him and Right Trac Financial Group." April 20, 2012

Ana Comford, Manager at Kansas State Bank of Manhattan

"I highly recommend Joe Petrowsky for your home purchasing and refinancing services. Joe has provided his mortgage services for me personally. I have also witnessed Joe's superlative work, knowledge of the industry and high integrity first hand over a 5 yr period when I worked for a Mortgage lender that did business with his company. He is One of the Few that do it The Right Way." April 2, 2012

Avery Askew

 

"I write to recommend Joe Petrowsky for all of your mortgage and refinancing needs. In my career as an attorny, I had the opportunity to work with numerous folks in the mortgage and refinance arena whose only goals appeared to be moving volume. Joe is the rate exception. Joe is the consummate professional. Joe is thoughtful, thorough, sensitive, caring and kind. He communicates deeply and thoroughly. His knowledge is detailed and extensive. His goal is to provide personal, individual attention, to craft customized solutions. And he succeeds. In the work I do now with business leaders and entrepreneurs, I feel absolutely confident referring and entrusting clients to Joe's expert care. Regardless of your challenges or situation, you want to seek out Joe Petrowsky for all of your mortgage and refinance solutions." March 22, 2012

 

Walt Hampton

 

"I am an attorney who represents, among other clients, homeowners in foreclosure, or behind in their mortgages, or simply may want a better deal. I started recommending Joe to clients back in 2009 and he has invariably come up with honest and creative solutions to their given circumstances. Joe's combination of experience and resourcefulness is top of the line and I highly recommend him to anyone seeking a mortgage." March 15, 2012

 

Kevin Burns

 

 

"Joe is always on top of his game. he Knows his business, never gets rattled and looks at problems to be solved as a challenge rather than an annoyance. he is very positive and all of my referrals have told me that he is a pleasure to work with. There are no guarantees in life, but Joe is as close as it gets. I always know that if I send a referral to Joe, that they will be well taken care of. I highly recommend him!" January 18, 2012

 

Jerome Levine has endorsed your work as Owner at Right Trac Financial Group, Inc.

 

"Joe contacted me with a loan referral in Myrtle Beach, SC. Joe had found me on ActiveRain and taken the initative to reach out to me. At first I wondered if it was really someone wanting to sell me leads, but after doing a quick internet search I realized Joe was the real deal. I got back in touch with Joe and we had a wonderful conversation. Joe really impressed me with his knowledge of our industry and the increasing influence of social media in how we stay in touch with our customers. I can see why Joe has a thriving business and satisfied clients. The mortgage industry could use a couple more like Joe Petrowsky."

Dan Dickson

"Whether you are buying your first home, or you're looking to refinance an existing mortgage, the process can be an emotional roller coaster. For so many of us, this is likely the most important purchase we'll ever make. No one recognizes that more than Joe and it's why I place my trust in him with my clients. Joe is committed to ensuring his customers have all of the information they need to make an educated decision and that their financial goals are met as well- he takes the fear and doubt out of the process which really puts people at ease." December 27, 2011

Steve Burlingame

"Joe has helped to provide financing for a number of my real estate clients and has always gotten the job done! Attentive to details and deadlines, an expert in the mortgage industry as well as the real estate market, I never hesitate to recommend him to my cleints and friends!" December 15, 2011

Lisa Orme, Realtor

"The one word that comes to mind when I think or speak of Joe Petrowsky is "Nonpareil" which means second to none. Joe maintains ALL attributes in a person that you would want to know professionally and personally. I first met Joe in 2003 when I was thinking of refinancing my mortgage and before I knew it the refinance was done and I was on a quicker path of owning my home. I've kept in touch over the years and his ongoing advice has proved positive in the decisions I've made. I find myself once again utilizing Joe's services (2011/2012) and know that my next financial decisions will be towards the right direction during these economic times." December 15, 2011

Mary Beth Rossi

"I have known Joe for 25+ years. He has helped me and members of my family with mortgages and financial advice. I consider him a trusted friend and brother." December 14, 2011 Top Qualities Expert, High Integrity, Creative

Len Martin

"in a nutshell - I would never have to apologize for referring Joe to my clients. He does a fantastic job, takes complete care of everyone he works with - and they feel incredibly comfortable during the entire process. he is an asset to my Financial Planning Practice." December 13, 2011

Jeffrey Engler

"Joe Petrowsky was outstanding in helping my husband and I choose the best option to refinance. This is the first experience with a mortgage broker who cared enough to spend the time and run the numbers on many different scenarios before recommending what he thought was our best option. We are thrilled to have met Joe and worked with him!" December 9, 2011 Top Qualities: Expert, high Integrity, Creative

Dave and Lynn Cannarella

"Joe actually cares, he has made a career out of trying to make a better life for those who will put forth the effort. We were on the road to financial failure, Joe never made us feel like we were failures. It can never be easy to give your trust to someone, but I can tell you, we are always at peace with Joe. Thank you for taking the time to read our thoughts." December 7, 2011 Top Qualities: Personable, Expert, High Integrity.

David Secker

"I first recommended Joe a on Linkedin a couple of years ago and he has continued to amaze me and my clients. As a financial advisor, it is very important to me that the client's I send to Joe have a very positive experience and can trust Joe as much as they have trusted me over the years to manage their money. Each referral that I send to Joe, calls me afterwards and tells me how comfortable they have felt with him. They appreciate his honesty and insight into their mortgage situations and feel comfortable that they have gotten the best advice from Joe to put them on the Right Trac. Without hesitation I recommend Joe to all my clients." October 31, 2011
Top Qualities: Personable, Expert, High Integrity

Jay Bigman

 "My first thought of Joe upon meeting him in 2002, was that this is a man who knows what he is doing. Since then he has yet to prove me wrong. Whether we are discussing business strategy, servicing clients, or just chatting about life in general, he shows his commitment and passion. I believe it is because of his dedication to the dual role of student and teacher." October 26, 2011

Maria Keiser, Managing Member, The Entrepreneur Circle

"Words cannot even begin to describe all the emotions I am feeling right now. I moved from Puerto Rico to the United States 26 years ago. For 26 years I have been renting from one landlord to the next. I have been making sacrifices to make ends meet and to provide for my four daughters to the best of my ability. To say I am appreciative for the opportunity to purchase my first home, is an understatement. I am ecstatic at the age of 41 to finally own my first home. I am extremely pleased and satisfied to say the least, with all the services offered by Joe Petrowsky and Widalis Concepcion. I am humbled to have been granted the opportunity to meet both Dava and her husband Brett. They have truly made a dream a reality for not only myself but also my family. I just want to let it be known that my family and I are very grateful and blessed to have had the chance to meet you all, and will by all means recommend your services to all we encounter. Thank you again for all you have done for my family and continue to do for others."

With Love and Gratitude~Ana Coll, Jose Resto and Family

September 30, 2011

 

“I have known Joe Petrowsky Foe approximately 15 years. In those 15 years he has taught me more about real estate and mortgages then anyone I have ever met. I have seen him get a mortgage for someone that has tried for years and has been turned down several times. It seems like ever since we met, all these people that I have known for years have done business with Joe or were personal friends with him. Why didn't anyone ever tell me about him before? I have referred so many people to him, I can't even remember them all. I still have people thanking me for introducing them to Joe. In closing I would just like to say, I am thankful I have met him, and believe he is one of the most kind hearted honest people I have ever met, and absolutely the best mortgage broker. To this day I am happy knowing that when I am in a bind... I always have Joe to turn to. He has solutions, where other people don't.
Craig Marcus” September 29, 2011

 Craig Marquis, Owner, MODELS INC.


“Joe is a straight shooting mortgage professional with strong convictions in relationships and integrity. He runs his business with a realistic outlook on the industry and believes in old fashioned customer service, with his very own contemporary twist thrown in. His upfront style is refeshing and a pleasure to do business with. We can use more like him....” September 29, 2011

 Joe Amoroso, Director of National Sales, REMN Real Estate Mortgage Network and Menlo Park Funding

“As an Account Executive who has worked with Joe and Right Trac Financial for over 10 yrs, I can without hesitation state he is a consummate mortgage professional. Extremely Knowledgeable in every aspect of the mortgage industry. Joe's best interests lies with his clients. His integrity, honesty and overall infectious optimism for the mortgage industry is exemplary. It is a pleasure working with him and highly recommend Right Trac Financial for your mortgage needs” September 27, 2011

 Elaina Johns, Account Executive, Franklin American Mortgage Company
was with another company when working with Joe at Right Trac Financial Group, Inc

 

 

 “I would like to take this opportunity to recommend Joe Petrowsky of Right Trac Financial Group. Joe's customers are always well informed and are given straight advice from the first conversation. Joe Petrowsky's feedback is something I always make sure I receive directly when discussing a new initiative or procedure change, his insight into what is reality in todays marketplace makes him a valuable sounding board. I have been very impressed with Joe for several years...in addition to being true to his word, I find him to be very pro-active, professional, courteous, accommodating, diligent and honest in seeking solutions for his clients. If you are fortunate enough to have the opportunity to work with Joe or any of his highly competent staff, I highly recommend you do so." Gregory Korn 


Top Qualities: Great Results, Expert, High Integrity

“I have used Joe on a variety of occasions with clients in CT and MA and they're always quite satisfied with the outcome. Joe is always available to answer my questions and good at helping me find solutions to challenging scenarios. Joe will continue to be a part of my team as my business grows forward.” August 11, 2011

Top qualities: Great Results, Expert, Creative

Norm Hamilton,
hired Joe as a Real Estate Agent in 2008, and hired Joe more than once

“Joe Petrowsky was a pleasure to work with. He knew his business inside and out, backwards and forwards. He helped us immensely with our business mortgage, finding us the best rates and helping us wade through the paperwork. He went above and beyond the call of duty. We felt comfortable, safe, well taken care of and trust him completely.

Sheila Strong” August 26, 2011

Top qualities: Personable, Expert, High Integrity

Sheila Strong,
hired Joe as a Mortgage in 2004, and hired Joe more than once

“I have worked with Joe and he is a miracle worker when it comes to getting loans for people who have credit issues and may be turned down by big non-caring lenders. Joe and Gail are two of the kindest and caring people I know. My wife Cindy and I think the world of them.” August 30, 2011

Bob Muska, Owner, Broad Brook Gardens,LLC
worked with Joe at Right Trac Financial Group, Inc

“I have personally gone to Joe every time I bought a house or needed a mortgage and referred countless friends and family to him, all of whom have been thrilled at the experience and results. There are few people in the industry that have the knowledge and high level of integrity that Joe has and are able to get the kind of results for their clients that Joe gets. In my opinion, there are none better than Joe.” September 15, 2011

Top qualities: Great Results, Expert, High Integrity

Brion Kirsch,
hired Joe as a Financial Advisor in 2006, and hired Joe more than once

“Joe puts the "E" in Expert.

We greatly appreciated the depth of the knowledge he shared with us when preparing to buy our first multi-family house. In a very short amount of time we learned valuable and honest information that continues to help us as we prepare to buy another home in the near future (we WILL be working with Joe again).

Joe is a great person to work with and a trusted adviser as we currently venture into a new territory, owning and operating a family business. I'm inspired by and enjoy his wit, charisma and dedication to others moving forward in positive ways.

From the day I met Joe Petrowsky I've recommended him highly and will continue to do so.

Please feel free to contact me directly to hear my genuine enthusiasm of working with Joe.” September 22, 2011

Top qualities: Great Results, Expert, High Integrity

 Dawn Greenfield,
hired Joe as a Mortgage Broker in 2008

“I would like to take this opportunity to recommend Joe Petrowsky of Right Trac Financial Group. I first met Joe about 7 or 8 years ago while he was a steady, top performing partner with Option One. Joe's customers were always well informed which looking back, was a key indicator of the stellar loan performance for the business we did together. As I would seek out customer feedback for various company rollouts or initiatives, Joe Petrowsky's feedback was something I always made sure I received...either directly or indirectly. I believe Joe is as good and perhaps even better than advertised. I have been very impressed with Joe for several years...in addition to being true to his word, I find him to be very pro-active, professional, courteous, accommodating, diligent and creative in seeking solutions for us and his clients. As we ventured out to rollout O2Funding...not only was Joe a priority customer for us to seek out doing business...he reciprocated my respect for our relationship and opened his doors to us with open arms. If you are fortunate enough to have the opportunity to work with Joe or any of the gang at Right Trac, I highly recommend you do so.” September 23, 2011

Robert Germano, VP, Regional Sales Manager, o2Funding
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“I have referred many clients in need of mortgage related services to Joe for assistance. His knowledge in this field is extensive and I would retain Joe as my own mortgage broker should the need ever arise.” September 25, 2011

Robert Young, Attorney, Law Office Of Robert B Young
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe will work till the job is done. He does work the old fashion way, a firm hand shake and honest commitment and put his clients first.” September 25, 2011

Top qualities: Great Results, Personable, Expert

Mark Vesco,
hired Joe as a Financial Advisor in 2009, and hired Joe more than once

“When others try and fail to get you a loan at a reasonable interest rate
Joe can work his magic and help you when all seems lost. His knowledge of the financial world is phenomenal. I would never hesitate in
seeking Joe's help in the future.” September 25, 2011

Top qualities: Great Results, Personable, Expert

Bob Muska,
hired Joe as a Financial Advisor in 2009

“Joe is the right guy to refer your clients to. His customer service philosophy ensures that your clients are well informed about the mortgage process and results in a closing.

Joe has helped obtain mortgages that othere have been unable to get.” September 26, 2011

Rick Bernstein, Owner, Richard J Bernstein CPA
was with another company when working with Joe at Right Trac Financial Group, Inc

“Working with Joe was nice and easy. He is very efficient and very knowledgable” September 26, 2011

Andrea Baribeau, agent, Browning & Browning Real Estate LLC
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“I can't even begin to express how much praise needs to go out to this Company. Buying a home is not an easy process no matter the situation, especially in this market. I have to say that my scenario was a difficult one to deal with and all of the patience that came with Jill, surely did not go unnoticed. Jill always kept me informed, she was thorough & never missed a step. She was always available for a phone call even after business hours. I cant thank her more for all of her efforts & patience that went into putting my mortgage together. Meeting with Joe in the beginning eased my doubts & really encouraged me to get what I wanted. Thank You again for all of your hard work.” September 26, 2011

Top qualities: Great Results, Personable, High Integrity

Stephanie Impionbato,
hired Joe as a Mortgage Broker in 2010

“I have known Joe since 2002. For a number of years I worked at Right Trac Financial and Joe was my mentor providing advice and knowledge about the mortgage industry. I was able to witness how Joe treated all Right Trac clients with the utmost of respect, with integrity and created innovative solutions that had a positive impact on improving the lives of his clients. When I took a position as a mortgage wholesaler, Joe became a highly valued client. Joe has high integrity and morals, a strong work ethic and a sterling reputation in the industry. There was never a question with his paperwork or documentation to support the requested loan amount. Over the years I have had the opportunity to refer numerous clients to Joe and Right Trac Financial. Each and everyone have had positive experiences and were very pleased with the way in which they were taken care of by Joe and Right Trac Financial. In today's crazy constantly changing mortgage financing environment, Joe is the person to call on to get the job done correctly with long lasting positive results for his clients. I highly recommend Joe if you need a mortgage, are thinking about refinancing your current mortgage or are in need of mortgage financing advice.” July 28, 2011

Top qualities: Expert, High Integrity, Creative

Carlo Carlozzi, Jr.,
hired Joe as a Financial Advisor in 2002, and hired Joe more than once

“Simply put, Joe is a creative expert that gets results. He is a motivator, and will not accept no for an answer. He is extremely trustworthy, and is a "giver" versus a "taker". I would add that he has an electricity about him, that puts you at ease immediately. Keep up the great work, Joe!!!!” July 23, 2011

Top qualities: Great Results, Expert, Creative

 gary catania,
hired Joe as a Financial Advisor in 2011

“Joe Petrowsky has been partnered with M&T Bank to provide 203K (rehab loans) and construction financing to his clients since 2004. I have had the pleasure of working with him and his staff for over four years. He is a true professional mortgage banker, one that can be trusted with your home financing needs. Joe always comes through for his clients.” July 18, 2011

Top qualities: Personable, Expert, High Integrity

 Pompeo Gatto,
hired Joe as a Mortgage Broker in 2004, and hired Joe more than once

“Joe is a remarkable mortgage broker, capable professional while always being warm and personable. He has the rare talent of electrifying the ordinary and generating excitement and support for otherwise challenging problems. He has a "can-do" attitude and manifests a pure and sincere passion for his work that is as rare as it is valuable. He also has the capability to think out of the box which leads to faster, more successful outcomes than those from many of his peers. It is my pleasure to recommend Joe as an outstanding consultant and advisor to mortgage seekers.” July 14, 2011

Top qualities: Great Results, Personable, High Integrity

Jimmy Mills,
hired Joe as a Mortgage Broker in 2008

“Joe is one of the top models of the Givers Gain philosophy that I have ever met. Over the years that I have worked with his BNI chapter, he has consistently led by example and provided the most referrals by far--quality referrals that lead to business for members. Joe's integrity and commitment to do the right thing are evident in all the big and little things he does to serve those around him.” July 6, 2011

Jim O'Shea, Area Director, BNI
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe is not only one of the most knowledgeable loan originators I have had the pleasure to work with but also a person that is looking to make a difference. Today, more than ever, folks are struggling financially and need direction, guidance and confidence. Joe is the person to recommend – his experience and extensive network of resources will get the job done. In a recent conversation about the difficulties we face in today’s real estate market, he confidently stated that it is the solution we should focus on, not the problem!” July 1, 2011

Joanne Morris, Office Manager, Kablik & Leary, P.C.
was with another company when working with Joe at Right Trac Financial Group, Inc

“In the mortgage industry there are many people and companies who can assist you with getting a loan. However there are only a few people who are able to get the hard ones done right. Joe is among the best of those people. He is creative, inventive, knowledgeable and perhaps best of all caring. These are unique qualities in this industry. He is a pleasure to work with from an attorney stand point. I have referred many tough loans to him over the years and always felt comfortable that Joe could handle them and assist these people who were simply in a bad circumstance. It is his compassion and the passion that truly sets Joe apart in the mortgage industry.” July 1, 2011

 Larry Garfinkel, Attorney, Bendett & McHugh, PC
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“Joe is a very detail orientated. He is a joy to work with and will do EVERYTHING in his power to help you.
I highly recommend Joe if you have any current financial needs.” June 30, 2011

Top qualities: Personable, Expert, High Integrity

Glenn Ledoux,
hired Joe as a Financial Advisor in 2010, and hired Joe more than once

“Joe has the ability to solve the tough problems and think outside the box to find solutions. He is always personally involved in every aspect of the loan process, and gets the job done.” June 30, 2011

Ralph Winn, Broker, Century Alaimo & Corrado
was with another company when working with Joe at Right Trac Financial Group, Inc

“I had a hard time finding many banks that would work with me on my first home mortgage. Joe not only saw my situtation as one that could work, he also made it very affordable. Anytime I know someone who is looking for mortgage solutions I always send them to Joe Petrowsky with Right Trac and no one else.” June 23, 2011

Top qualities: Great Results, Personable, Expert

Keith Beaulieu,
hired Joe as a Mortgage Solutions in 2010

“I first contacted Joe in October 2009 through a close friend's recommendation. He was not only very easy to talk to, but also very helpful from beginning to end in my mortgage process. His staff are top notch, and I plan to hire him/this agency again when I make the jump from condo owner to house owner in the near future! Joe gets the job DONE!!!!!” June 23, 2011

Top qualities: Great Results, Personable, Expert

Sonya Cosumano,
hired Joe as a Loan Officer/Owner in 2009

“I have worked with Joe on more than one occasion regarding a mortgage and each time he has more than fulfilled my needs and expectations. He has a knack for making things happen, is creative in his approach and has always produced great results. I am honored to know and have worked with such a personable and trustworthy gentleman. Thanks, Joe, for being a friend.” June 13, 2011

Top qualities: Great Results, High Integrity, Creative

Matthew Quinn,
hired Joe as a Mortgage Consultant in 1996, and hired Joe more than once

“As a borrower seeking professional advice, I understand more than most of the need to get the right advice first time.

To offer advice at the highest level, you need to have a thorough understnading of your industry. Of course Joe understands mortgage finance. Intimately. But that is just the beginning. What sets him apart from his peers is his attention to detail, his management of files to ensure they both meet lender criteria, and presented in a way to ensure they are approved when you as a borrower need it most.

The great litmus test for me is meeting somebody that walks their talk. Joe is active in the real estate market, and has an extensive network of resources available to be able to guide you through the acquisition, negotiation, appraisal, property inspection, legal, accounting, and property management processes you may also need assistance with.

Joe receives my highest endorsement.” June 10, 2011

Troy McErvale, Founder and Managing Director, Freedom Group of Companies
was with another company when working with Joe at Right Trac Financial Group, Inc

“As a Wholesale Account Executive, it is a pleasure to work with true professionals in our business. Joe is a true professionial who has a wealth of knowledge and experience in our industry and is always looking out for his customers. He is consistantly looking to give the best service and rates to his clients.” June 9, 2011

Patricia Samoskevich, Account Executive, Plaza Home Mortgage
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe is someone you meet maybe ONCE in a lifetime. Incredibly insightful, articulate, astute, passionate and compassionate. He's been through more than most and is an agent for positive change in the world and in business. I cannot say enough wonderful things about Joe except that, if you're a good person, you deserve to know Joe and vice versa. I've introduced Joe to my network and my status has grown because of Joe. Thank you!” June 9, 2011

Bill Doerr, CCO, SellMore Marketing, LLC
was with another company when working with Joe at Right Trac Financial Group, Inc

“I hired Joe to help with my home refinance twice. I was impressed with the high level of service his company has provided. These were the easiest mortgage transactions that I have ever had! Joe and his staff is very professional, result oriented and knowledgeable. On a personal note, I always enjoyed and hopefully will enjoy in the future every opportunity to be in touch. Joe is very personable, open and always willing to help individual. It was our great pleasure to do business with Joe. I would not have any reservations to recommend him to anyone.” June 8, 2011

Top qualities: Great Results, Expert, High Integrity

Boris Zeiberg, MCPD, MCT,
hired Joe as a Mortgage Broker in 2010, and hired Joe more than once

“I have never worked with Joe, but we have been neighbors for 24 years. I know him and his wife Gail to be kind and generous and were there for me as a friend when I needed them the most. To me that means a lot.
Sincerely
Lew Shamback
Neighbor and Friend” June 7, 2011

 Chuck Shamback, Refrigeration Manager, Bozzuto's
was with another company when working with Joe at Halls Pond Rd

“Joe is exceptional at all aspects of his career. He has integrity and operates honestly while still working to offer creative solutions that benefit all involved. Joe has been an exceptional mentor for me since I have known him and has invested in my own business by providing referrals at every opportunity that he can. I have and will continue to recommend Joe for a mortgage or real estate transaction without hesitation.” June 5, 2011

Dawn Robinson, Financial Instruction, WARM Center of Westerly Rhode Island
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe is one of those people that when you meet him will have an immediate positive impact in your life. I have known Joe for over a year now as a member of my BNI group and it is with great pleasure that I recommend his work. It is with full confidence that I have sent my own clients to Joe for all of their mortgage needs. He is innovative, creative and most importantly honest in the work that he does. His commitment to his work and to his clients is unparalleled. I will continue to refer my clients to Joe for all their mortgage needs in the future.” June 1, 2011

Chad W. Langevin, Financial Representative, Northwestern Mutual
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe and Right Track Financial where there for me when it was time for our re-finance. Joe took the time to meet personally and he and his staff made our morgage happen in times that using a regular "bank" would of been a much tougher option. He also had managed to get my wife and I an approval on a new construction loan which is nearly impossible when a person wants to be the general contractor themselves. Thank you Joe!” June 1, 2011

Top qualities: Personable, On Time, High Integrity

Roland Violette,
hired Joe as a Morgage broker in 2007

“I have recommended Joe and Right Trac to many people over the years and Joe came through when others couldn't. He is honest, hard-working and one of the nicest people I know.” May 31, 2011

Top qualities: Great Results, Expert, High Integrity

Erin Field (attyfield@aol.com),
hired Joe as a Attorney in 2004, and hired Joe more than once

“Joe is a highly regarded and accomplished professional with a tremendous amount of knowledge and expertise. He has a very competent and friendly staff at Right Trac Financial who work hard to provide the very best mortgage solution for every situation. I have been recommending Joe for many years and hear nothing but great reviews and heart felt appreciation for doing so. I will continue to recommend him with complete trust and confidence.” May 31, 2011

Top qualities: Personable, Expert, High Integrity

Jim Ericson,
hired Joe as a Mortgage Consultant in 1997, and hired Joe more than once

“Joe helped guide me through the homebuying process 4 years ago. Even as a first time homebuyer I was never nervous because I had the utmost trust in Joe and I knew that I was being taken care of. I had such a great experience with Joe and Right Trac that it is a pleasure for me to refer my family and friends to Joe because I know that he will keep them on the "Right Trac"” May 31, 2011

Top qualities: Great Results, Expert, High Integrity

Patrick Greene,
hired Joe as a Mortgage in 2007

“Joe is the rare combination of a 'can do' guy who is extremely generous and has total integrity.

As a mortgage professional, I an very picky when it comes to referring other mortgage professionals. Joe is my go-to guy when my clients require mortgage assistance in New England” May 31, 2011

Dave Steinberg, Mortgage Broker - Personal Mortgage Consultant, Summit Funding
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe Petrowsky is an outstanding mortgage broker and is a wonderful friend. It has been a privilege and pleasure knowing and working with him for over 7 years. Joe's knowledge and experience places him at the top in the mortgage industry. Joe has done an excellent job with my referrals to him, Joe truly cares about his customers and always gets tremendous results. If you want the best in the mortgage business, refer your friends, family, clients, and coworkers to Joe Petrowsky. The top qualities I like about Joe is his "Can Do Attitude", Honesty, Compassion,and Knowledge” May 30, 2011

 Kate Gusy, Senior Account Executive, Burns brooks & McNeil Insurance
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe provided me with assistance on a mortgage refinance. He is extremely personable, an expert in the mortgage industry and is very resourceful when overcoming obstacles. He really "makes" dreams come true!” May 28, 2011

Top qualities: Personable, High Integrity, Creative

Dianne Bouchard,
hired Joe as a mortgage solutions in 2010, and hired Joe more than once

“Joe has helped several of my clients and friends get loans when they were denied by other lenders. The difference between Joe and other lenders is that he doesn't "try" to get you a loan, he "does" get you a loan.” May 25, 2011

Jennifer L Lovett, Owner, Crystal Financial Ins Svcs
was with another company when working with Joe at Right Trac Financial Group, Inc

“I call Joe the "Magic Mortgage Man." He is truly a diamond when it comes to finding the right loan solutions for his clients. You will be thrilled that you selected Joe to represent you when you see how well he understands the ever-changing loan market and prides himself on meeting his clients' needs and being punctual, efficient, and honest. YOU JUST GOTTA GO TO JOE!” May 19, 2011

Top qualities: Great Results, Expert, High Integrity

Erika Dworkin,
hired Joe as a Mortgage Broker in 2010

“Joe was the ONLY person I know who could close a difficult loan. The client had been denied numerous times by numerous lenders, but Joe was able to pull them through. Thanks to Joe, they are happy in their new home today!” May 18, 2011

Paige Niver, Sales Associate, ERA Blanchard & Rossetto, Inc.
was with another company when working with Joe at Right Trac Financial Group, Inc

“I have known Joe for many years and he really knows the mortgage business. He always makes you feel like he is working for YOU. You are the priority and he will do everything he possibly can to help you reach your goals.” May 18, 2011

Top qualities: Great Results, Expert, High Integrity

Rob Hellstrom,
hired Joe as a Mortgage Broker in 2009, and hired Joe more than once

“Joe Petrowsky is a pro! Nobody knows the business better or will work harder to get the best financing for any real estate transaction. His staff at Right Trac are extremely knowledgeable and pleasent to work with. I no longer work with "the mortgage guy", I work with my friend Joe.” May 17, 2011

Top qualities: Personable, Expert, High Integrity

Dan Kellner,
hired Joe as a Mortgage broker in 2009, and hired Joe more than once

“I have worked with Joe's company for approximately three years now. He is highly respected in his field and extremely well known within the mortgage industry. Despite his incredible success he is amazingly humble. His staff constantly quotes Joe as someone who is not too proud to admit that he looks forward to learning something new each and every day. The people who work for him speak of him with such loyalty and pride. It is of no surprise to me that his office conducts itself with so much efficiency, integrity and class. Joe runs a very tight ship. His processor is amazing. She knows the regulations and is extremely careful to follow each and every one to the "T". She is an absolute pleasure to work with and one of the best processors I know. The loan officer I work with is also amazing. He is the perfect example of what someone can achieve with hard work and determination. He takes his work incredibly seriously and tries his very best to create perfect loans each and every time. He works harder than anyone I know. Joe is someone I would highly recommend due to outstanding service, knowledge, efficiency and client satisfaction. I have been practicing in this field for 13 years and I can say that the relationship I have developed with Joe and his company is like family. I look forward to each and every closing and hope to continue this relationship for many years to come.” May 17, 2011

Lynette Mendoza Villa, Owner/Attorney, Law Offices of Lynette Mendoza Villa
was with another company when working with Joe at Right Trac Financial Group, Inc

“I consulted Joe in late 2009 researching mortgage lending options.

Joe gave me an honest and straight forward strategy based on my personal needs. With Joe's help I have been able to re-establish financial stability when all other banking professionals told me this was not possible.

I can say without hesitation that the help provided to me by Joe Petrowsky has changed my life dramatically.

Thank you Joe!” May 17, 2011

Top qualities: Personable, Expert, High Integrity

Peter Lachapelle,
hired Joe as a Financial Advisor in 2009

“I have referred several clients to Right Trac, including business owners looking to restructure debt, experienced and first-time home buyers, and home owners looking to refinance. Joe Petrowsky and his staff are knowledgeable and always accommodating to client needs. I highly recommend them.” May 13, 2011

 Joel DeFelice, Associate Attorney, I. David Marder & Associates, LLC
was with another company when working with Joe at Right Trac Financial Group, Inc

“I have had the pleasure of working with Joe in the past. Joe always puts the needs of his clients first and he will do all he can to make sure he gets his clients the best mortgage possible. Joe's indepth knowledge of the mortgage industry partnered with his work ethic make him truly stand out above the rest.” May 13, 2011

David Carrabino, Account Executive, Plaza Home Mortgage
was with another company when working with Joe at Right Trac Financial Group, Inc

“I have worked with Joe and the people at Rightrac for several years. I can honestly say that he is the one of the best broker offices I have ever done business with.

Chris Smith” May 12, 2011

Chris Smith, Account Executive, Security National Mortgage
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe Petrowsky helped us re-finance our mortgage, but the final result went way beyond just the mortgage. He helped us create a financial plan that eliminated a car payment and put cash in our pockets for needed home repairs, as well as reducing our monthly mortgage payments. We think it was a brilliant plan that worked on many levels. Joe and his support staff are wonderful to work with. You can rely on Joe to keep you relaxed, educated, and even entertained through the entire process!” May 12, 2011

Top qualities: Personable, Expert, High Integrity

Nancy Simonds,
hired Joe as a Financial Advisor in 2008

“Efficient, knowledgeable, diligent, humane.” May 11, 2011

Eric Hard, Partner (Attorney), Cohen Burns Hard & Paul
was with another company when working with Joe at Right Trac Financial Group, Inc

“Recommended by our son Fred Gauthier Joe is considerate, understanding and an obvious expert in his field. My husbanfd and I were instantly put at ease in trying to re mortgage our house. Not an easy task but very appreciated. I would recommend Joe to anyone who doesn't like a lot of confusion and get support and straight talk. thank you Joe. Fred and Sharon Gauthier” May 11, 2011

Top qualities: Great Results, Personable, Expert

 Sharon Gauthier RN/MSN-iRNPA,
hired Joe as a Mortgage Broker in 2011

“I have referred Joe, to at least nine people in need of a safe and knowledgeable mortgage lender, all of which were taken care of and very satisfied. Joe is a person my referrals can do business with confidence, sincerely, Thomas Mainville.” May 10, 2011

TOM MAINVILLE, PRESIDENT, TGM COPIERS
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe has been a business partner of mine for a number of years. He and his company's reputation are unmatched in the market and his amount of referral business is testament. As a wholesale AE, I have a great deal of choice where to send a friend for their retail home loan; I send them to Joe.” May 10, 2011

Charlie Napolitano, Senior Account Executive, ClearPoint Funding
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“I have worked for Joe for over 15 years. He is great at what he does. He loves to help people to either get into their home or to help them to get into a better financial place by refinancing their existing home. Joe goes above and beyond to get the job done. It is a pleasure to work with him to make families lives better.” May 10, 2011

Chris Kurtzman, Receptionist/Processor, Right Trac Financial Group
reported to Joe at Right Trac Financial Group, Inc

“Joe is honest, creative and is like a dog on a bone when it comes to solving challanges to get the desired result where others can't. His knowledge and wisdom in his chosen industry puts him heads above his competition. I know this from personal experience on more that one occassion.

Dr. Kenneth Wichman” May 10, 2011

Top qualities: Expert, High Integrity, Creative

Ken Wichman,
hired Joe as a Mortgage Broker in 1998, and hired Joe more than once

“Joe is an extremely knowledgable & successful real estate expert.Very experienced in all aspects of commercial & residential development, construction, management and finance. He enhances any project he works on to an exceptional level and gets results. Joe is an extraordinary individual and one of very few I would recommend without any reservation.” May 10, 2011

Ron Lyman, President, Lyman
was with another company when working with Joe at Right Trac Financial Group, Inc

“I have known and worked with Joe for many years. Joe is the great problem solver. His years of experience and knowledge along with numerous connections are the key to his ability to solve your mortgage problems that others cannot. Joe also has a wonderful support staff at Right Trac that are a pleasue to deal with. I can also attest to being a client of Joe's, as he has securred mortgages for me, a self employed appraiser.” May 9, 2011

Ray Lima, Appraiser, Ray Lima, Appraiser
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“Joe is professional, knowledgeable and always easy to get in touch with. He has exemplary customer service; his clients/borrowers are always very satisfied with their loan product and well informed at the time of closing. It is a pleasure working with Joe and I appreciate the quick turnaround time on his files.” May 9, 2011

Danielle Toce, Owner, Law Office of Danielle B. Toce
was with another company when working with Joe at Right Trac Financial Group, Inc

“I have had the pleasure of knowing and working with Joe for a half dozen years and have found him to be very creative, trustworthy and helpful. He handles himself with a high degree of integrity in both his personal and business affairs.” May 9, 2011

Top qualities: Personable, Expert, Creative

Andrew Gregory, DC, DACNB, R.NCS.T,
hired Joe as a Financial Advisor in 2006

“very professional, excellentt worker, gets things done ahead of schedule.” May 9, 2011

Top qualities: Great Results, Personable, Expert

Steve Filip,
hired Joe as a General Contractor in 2000

“We have used Joe and his company for very high end mortgage financing. We have received the BEST service, rates and guidance. Feel confident in using this company and Joe personally.” May 9, 2011

Top qualities: Great Results, Expert, High Integrity

Christine Hanson,
hired Joe as a Mortgage broker in 2003, and hired Joe more than once

“I've worked with Joe in the past. You'll find him very honorable and knowledgeable” May 9, 2011

Pete Gural, Owner, Pete The Butcher.Com
reported to Joe at Right Trac Financial Group, Inc

“There are no higher praises I can get from one of my clients when he/she tells me how Joe has resolved one of their complex or challenging financial situations. With that comes a big "thank you!". Whether it be mortgage direct or debt consolidation resolution, Joe has found solutions where others only state it cannot be done. I can only work with businesses once they have the financial freedom to utilize their resources (both personal and business) effectively. Joe gets them to back square one and that is something to which I can only be thankful.

Tom” May 9, 2011

Top qualities: Expert, High Integrity, Creative

Thomas Fleury,
hired Joe as a Mortgage origination and debt consolidation in 2001, and hired Joe more than once

“Joe is the most knowledgeable mortgage person I have come across in my 15+ years in the industry. He cares about his clients, knows the mortgage industry and the programs available and does everything he can to get the person the best mortgage that they can qualify for. I would always want Joe on my team if I were looking to purchase or refinance a home in this marketplace.” May 9, 2011

Peter DiPaoli, Vice Presdent/Mortgage Consultant, Right Trac Financial Group
reported to Joe at Right Trac Financial Group, Inc

“I have worked very closely with Joe over the years. His knowledge and expertise in the mortgage industry has made each apsect of doing business easy and enjoyable for myself and my clients.” May 9, 2011

Top qualities: Great Results, Expert, High Integrity

Jon Arruda,
hired Joe as a Real Estate Agent in 2010, and hired Joe more than once

“Joe is effective and efficient helping his clients. Joe has been extremely helpful with some of my clients that had difficult situations to overcome and Joe was able to get the deal done.” May 9, 2011

Top qualities: Great Results, Personable, Creative

Mike Blezard,
hired Joe as a Mortgage Agent/Broker in 2009

“I highly recommend Joe Petrowski for all your mortgage needs. Not only is he a true professional but also a very knowledgable, proactive, determined indiviual. He will work tirelessly to help you achieve your ultimate goal of home ownership or refinance your mrotgage.
You can't go wrong with a friendly, true professional like Joe.” May 9, 2011

Gerry Beaupre, Account Executive, BluePay Processing Inc.
was with another company when working with Joe at Right Trac Financial Group, Inc

“Joe is a very positive individual with a great ability to get things done. He can think outside the box and will find a way to solve the most difficult problems. I highly recommend Joe & Right Trac Financial” May 9, 2011

 Stephen Byrne, account executive, Option One Mortgage
reported to Joe at Right Trac Financial Group, Inc

“Joe is a highly successful owner of a mortgage company at a time when it is extremely difficult to operate such a business. He is hardworking, honest and very capable. I woudl recommend him to anyone seeking a residential mortgage” May 9, 2011

 William S. Nathanson, attorney, Nathanson, Cipriano & Gambardella
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“Joe takes the time with his clients and finds the best way to get a mortgage and also helps existing mortgagees with refinancing and helping cut costs. Joes is not only a colleague but also has taken the time to sit down with me and help me make some very important personal decisions to get my finances on the right trac. Thanks Joe!” May 9, 2011

Cindy Muska, Real Estate Agent, WALLACE TUSTIN TETRAULT REALTY
worked with Joe at Right Trac Financial Group, Inc

“Joe first helped us to refinance our home to pay off all of our credit cards and rebuild our credit rating, and then a few years later he was able to help us to re-do our mortgage with our new credit rating to reduce our interest rate without extending the length of our mortgage.

He has also helped quite a few of our friends and family members to reduce their mortgage expenses.

He has a vast amount of knowledge of the mortgage industry as well as the construction industry.

I have and will continue to recommend that anyone I know (family, friends, co-workers and even the person that is sitting next to me in a waiting room) contact him to see what he can do to help them.

Thank you,

Randall Kurtzman” May 9, 2011

Top qualities: Great Results, Expert, Creative

Randy Kurtzman,
hired Joe as a Financial Advisor in 1994, and hired Joe more than once

“Joe has help me get a mortgage at the best rate possible and I have recommended him to many of my friends that has also used him in the past. I have used Joe three time already and will continue in the future.” May 9, 2011

Top qualities: Great Results, Personable, Expert

Donna O'Keefe,
hired Joe as a Business Consultant in 2003

“joe is a forward thinking individual , willing to take risks, and use alternative methods to get results.” May 9, 2011

Top qualities: Personable, Expert, High Integrity

 Ed Lachall,
hired Joe as a Financial Advisor in 1978

“joe is very fair and cares about his customers and wishes to provide them with great service.” May 8, 2011

Ed Lachall, artist, ed la chall studio
was a consultant or contractor to Joe at Right Trac Financial Group, Inc

“I recommend Joe and his company based on thoroughness and accuracy. Joe's high standards for excellence are prevalent in his business, which allows his clients to benefit for their efforts.

I have known Joe for approximately three years in a professional business setting.

Donna Finocchiaro
Owner
Organized East of the River” May 8, 2011

Donna Finocchiaro, Owner, Organized East of the River
was with another company when working with Joe at Right Trac Financial Group, Inc

“My wife and I have contacted Joe on multiple occasions for financial guidance and assistance, Joe, his brother Nathan and his team at RightTrac have gone above and beyond our expectations when assisting us with refinancing as well as other financial planning. Always open to our questions and concerns, we have received from Joe sound, professional financial guidance and support. We would highly recommend Joe and his team as your first stop when seeking financial assistance. Sincerely, Bart and Debra Jahnke.” May 8, 2011

Top qualities: Great Results, High Integrity, Creative

Bart Jahnke,
hired Joe as a Financial Advisor in 1996

“Joe has treated my clients with respect and quick service and as he treats everyone.I would recommend his services to anyone.He knows his work and knows how to get it done!!!” March 17, 2011

Cristina Francisco, Realtor, Century 21
worked with Joe at Right Trac Financial Group, Inc

“Joe is one of the great teachers and mentors! He is an inspiration with a wealth of knowledge and experience. His ability to share his wisdom is truly a gift. Lunch with Joe always leaves you thinking.” January 20, 2009

Meg Amenta, Independent Distributor, Send Out Cards
was with another company when working with Joe at Right Trac Financial Group, Inc

“As a busy financial advisor working with clients from all walks of life I alwys evaluate a clients present debt service and attempt to help them maximize the eficiency of their "cash flow". As such, I have referred many clients to Joe to help them evaluate their existing mortgage. Joe is not your typical mortgage broker, he's a true mortgage based financial planner and perhaps the most complete human being I know.” December 28, 2008

Top qualities: Great Results, Expert, High Integrity

 Francis Lynch,
hired Joe as a Mortgage Broker in 2004, and hired Joe more than once

“I have known Joe for some time now and knew of him through his reputation for years prior to ever meeting him. His knowledge of the mortgage industry and his dedication to his clients is unsurpassed in the industry. This is highly evident through the tremendous success of his company. I consider it a great honor to be working with Joe.” December 17, 2008

 Eric Boucher, Loan Consultant, Right Trac Financial Group
reported to Joe at Right Trac Financial Group, Inc