“Getting Prepared to Purchase a Home in 2017”

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

“Getting Prepared to Purchase a Home in 2017”






Hi Joe,

It was great meeting with you the other day and delighted that Keith referred me. I really appreciate all the energy and advice! I now know I will be ready to buy a home after I complete my 2016 tax returns.


I contacted the accounts about the derogatory remarks on my credit report and have not been able to get them removed. You said to contact you if this happened so any advice would be great!




So often I have self-employed potential home buyers that are disappointed. For these clients it is all about their tax returns and credit reports. Many times after reviewing a credit report, there are issues that the person is not aware of. Besides the obvious late payments, there are often accounts that are disputed and they have to be removed. That was the case with David so I’ll coach him on getting them removed. It normally takes three to four days.


The reason this client needs to wait for his 2016 returns to be completed is because the 2014 returns reflected a down year when it comes to income. He shared with me that the 2016 income is very strong, even better than 2015.


David is very wise to be totally prepared to qualify for the mortgage he will want. There is nothing like being prepared, just the way he runs his business.

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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.


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Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
"Franklin MA Homes"

Good morning, Joe Petrowsky referral business is the best business....and you get a generous share of that.... a reflection of the quality and satisfaction received...

Dec 23, 2016 03:32 AM #1
Kat Palmiotti
Grand Lux Realty, 914-419-0270, kat@thehousekat.com - Monroe, NY
The House Kat

That's wonderful that this buyer is preparing himself ahead of time. Thank you for this post - You gave me an idea for a post of my own!

Dec 23, 2016 03:37 AM #2
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker

Good morning Joe. The self-employed need to start the process well in advnce to have time to deal with surprises! Enjoy the Holidays!

Dec 23, 2016 04:59 AM #3
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Hi Joe Petrowsky Hopefully guidelines will be reduced this coming year as well.

Bill Roberts

Dec 23, 2016 05:47 AM #4
Raymond E. Camp
Howard Hanna Real Estate Services - Ontario, NY
Licensed Real Estate Salesperson Greater Rochester

Good morning Joe,

When it comes to taking care of a client you are one of the best.

Make yourself an astonishing day.

Dec 23, 2016 06:18 AM #5
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