Joe Petrowsky's Blog

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Mortgage and Lending - Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - NMLS # 6869
“Getting Older”      As I've aged, I've become kinder to myself, and less critical of myself. I've become my own friend I have seen too many dear friends leave this world, too soon;  before they understood the great freedom that comes with aging. Whose  business is it, if I choose to read, or pla...
“It is Never too Early for Tax Planning”  Hi Joe,I am in the process of some tax planning and need your assistance again. As you know I own three investment properties, there is very little debt on them. In my conversation with our accountant, we want to do the following. We want to refinance our...
“Doing an FHA 203K Loan to Purchase a Mixed-Use Property”    Hi Joe, I am interested in purchasing a property and the listing agent recommended that I communicate with you. The property is a mixed use property, the problem is none of the banks that I have spoken to are very interested in doing a ...
                     "Books Never Written." Interesting Places Around The World by Ben There & Don That Paris Monuments by I. Phil Taurer Text Editing by E. Max and Vi The Bearded Chinaman by Harry Chin How to Exercise by Eileen and Ben Dover 100 Ways to Diet by I. M. Hungry Getting Fired by Anit...
  “Hubbard Clause Decisions are Never Easy”  Hi Joe, This is the moment of truth. As you know we are under contract to purchase subject to sale of our current home, not sure why they call it a Hubbard Clause. Anyway our home is still not under contract even though it has been shown a number of ti...
  “My Tenants Will Help Pay My Mortgage”   Hi Joe, My landlord actually gave me your contact information. She told me that you did the mortgage for them when they purchased this property and a number of others that they own. In any case I am tired of helping them pay their mortgage so it is time ...
“Don’t You Just Love this Mortgage Guy?”    The phone rang. It was a salesman from a mortgage refinance company. "Do you have a second mortgage on your home?""No," she replied."Would you like to consolidate all your debts?""I really don't have any," she said."How about freeing up cash for home im...
“It is Time for New Construction Again”    Hi Joe, It has been some time since we have interacted. For the last few years I have been building simple family homes in North Carolina, basically 3-4 a year. My family and I are moving back to Connecticut and want to pick back up where I was a few yea...
“Lower Rate and Lower Down Payment”   Joe, Please find a copy of the purchase agreement for the property we are buying and as you will see the sellers agreed to do the transaction subject to the sale of our home. Our current home just hit the market Monday, we are having an open house this Saturd...
“You Can’t Make this Stuff Up”    Today my daughter and I will be driving south through Ohio and into Kentucky. I told her that we'd better be careful about some of the Kentucky & Ohio laws.In Lexington it is illegal to transport an ice cream cone in your pocket. By law, anyone who has been drink...

Joe Petrowsky

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