Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869



“What Speed Limit?”   A cop pulls over a carload of nuns. Cop: "Sister, this is a 65 MPH highway. Why are you going so slow?" Sister: "Sir, I saw a lot of signs that said 22, not 65." Cop: "Oh sister, that's not the speed limit, that's the name of the highway you're on!"Sister: "Oh! Silly me! Tha...
      “Commercial Mortgages for My Clients”    Joe, hope you had a great holiday season! Thank you for helping my wife Kristine and I with our mortgage this past fall for our house.  I had a question about commercial mortgages. Is that something you handle? What’s the typical down payment require...
“Only the Best Referrals are Good Enough for a Friend”      Natasha – thank you again for your confidence and trust.   I have discussed your situation with two of the most trusted individuals.  Andy is an “A” attorney and is very knowledgeable in transactions such as this.     In addition, I am p...
“This One Made My Wife Laugh”    Looking in the mall for a cotton nightgown, I tried my luck in a store known for its hot lingerie. To my delight, however, I found just what I was looking for. Waiting in the line to pay, I noticed a young woman behind me holding the same nightgown. This confirmed...
“It’s All About Planning” Hi Joe,Hope you enjoyed the holidays. Not sure if you remember me or not, but we spoke last May about mortgages. You had pulled my credit and I attached a copy of it from then. Since then I have paid Citi, Barclays and AmEx off and there should be no disputes. Since I ha...
“Investor Loans Making a Lot of Noise”    Hey Joe,  Honest to God, I thought you were crazy when you told me I could purchase an investment property without showing income to qualify or tax returns. It’s still hard to believe, but we closed in the 30 day time period you told me. I want you to kno...
“Sorry Dean Martin, Embarrassing ”    Since some of the radio stations decided to pull "Baby it's Cold Outside" from its playlist because someone was offended, I feel that these other holiday songs must also be removed as they are offensive as well. 1. I Saw Mommy Kissing Santa Claus: subjecting ...
    “The Cash Society”    Joe,I do have another question for you. Is there any way we can utilize cash saved to purchase a home? In addition to what we have in the bank?Thanks, Ashley I am asked this question more times than you can imagine. Just know that cash cannot be used when it comes to the...
 “Banker Referral Partner Needs Help”     Hi Joe, I was attempting to demonstrate that Anthony was working for his father prior to becoming a certified barber.  He has 1 year under his belt, being self-employed.  Unfortunately, his dad did not pay Anthony in a “trackable” manner. The wife has sta...
“It’s Not What You Say, it is How You Say What You Say”     There is a factory in Northern Minnesota which makes the Tickle Me Elmo toys. The toy laughs when you tickle it under the arms.Well, Lena decides to give up the real estate biz and is hired at The Tickle Me Elmo factory and she reports f...

Joe Petrowsky

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