Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“OMG”      Four expectant fathers were in a Minneapolis hospital waiting room, while their wives were in labor. The nurse arrived and announced to the first man, “Congratulations sir, you re the father of twins.” “What a coincidence!” the man said with some obvious pride. “I work for the Minnesot...
“Know the Implications When You Co-Sign”     Hi Joe!  I had a quick question, my dad offered to co-sign for me, would it be possible for my dad (who is retired/house paid off) to either be on the loan with me as a non-occupant or a co-signer? With the goal being to be able to up the amount of loa...
 “It’s Never too Early to Start Preparing”    Hi Mr. Petrowsky, I was wondering if you can check my credit because my lease ends in September and my realtor told me in May we should start searching for houses so we can start doing the closing in August. I just want to make sure. What is the amoun...
“Who are You Calling DUMB?”    A young boy enters a barber shop and the barber whispers to his customer, "This is the dumbest kid in the world. Watch while I prove it to you."The barber puts a dollar bill in one hand and two quarters in the other, then calls the boy over and asks, "Which do you w...
“There are Options when You Can’t Find the Right Home”  Mr. Petrowsky,Unfortunately we can’t find a single family home we can afford. It has been over 6 months, but no luck. It is time for us to move in a different direction. When we met we discussed our comfort level for a mortgage payment compa...
“House Flipping not Always Successful”  Mr. PetrowskyBarbara XXXXXX gave me your contact information, I met her at the closing, as she purchased and you handled the mortgage for her. This was a property that I flipped and had on the market for 9 months. The truth is I barely broke even so I’m not...
“Holly”      After getting all of the Pope's luggage loaded into the limo (and he doesn't travel light), the driver notices that the Pope is still standing on the curb."Excuse me, Your Eminence," says the driver, "would you please take your seat so we can leave?" "Well, to tell you the truth," sa...
“Not All Mortgages are Cookie Cutter”   Joe, I screwed up, what do you know about Zillow mortgage? Since the property I was selling was posted on Zillow, they offered doing a mortgage for me. So, stupidly I spoke to someone and actually started the process of doing a mortgage application. This pr...
“A Few more Properties and My Wife Gives up the Job She Hates”    Hi Joe, Found another investment property that we want to buy. It is still hard for me to get that I can just keep buying rental properties as long as I have the 20% down. OK, OK, you made a believer out of me. Before I met you I s...
“I’m Here to Feed the Alligator”       I find myself this morning in Florida between Jacksonville and Orlando, and there is a tale of an elderly man a ways inland who owned a large farm for several years. He had a large pond in the back. It was properly shaped for swimming, so he fixed it up nice...

Joe Petrowsky

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