“From 6% to 3.5% in a Few Months”

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

 “From 6% to 3.5% in a Few Months”



Hi Joe,

Hoping things are going well for you during this crazy time. We do still want to proceed with the refinance as our 2 year date for the BK discharge was 4/20/2020. 


We are both still working, but he did take a temporary pay cut of 20% which he has in writing to resume normal salary when life resumes - however should be still enough salary to meet need of any loans. 


You were so great to work with to get us a mortgage that no one could do, so can you help us again? We are excited to get out of a 6% mortgage rate. 


All the best. 



Non-QM mortgages have their purpose, and this is a perfect example. Even though I recommended they wait a few months to buy a home, they did not want to wait as they found their “Perfect Home”. The loan product that I put them into was a mortgage that would allow a mortgage less than two years out of a bankruptcy. They didn’t care that the rate was higher than what they could have gotten now, but they always said they might not find the perfect home again.


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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.

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Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Good morning Joe. Rates are low so it is time to buy and sell. Enjoy your day!

May 29, 2020 06:04 AM #1
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

Good morning, Joe Petrowsky well, I can see their point of jumping when they found the right home..... often, that "right home" is a long wait!!!

May 29, 2020 06:15 AM #2
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Joe Petrowsky

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