“Recommendations Make a Difference to Me”

Recommendations like this one, is what makes me look forward to going to work each and every day. I wish I could say that each and every transaction turns out like this one, but this one makes up for a few disappointments.

Today, there are very few simple transactions when it comes to mortgages. Many good borrowers like Christina and Ryan get turned down by banks that are not willing to go the extra mile to get a transaction completed.

I love these puzzles and in most cases, there is a ways to get a mortgage accomplished, even when others say, it can’t be done.

Christina Rizzo has recommended your work as Owner at Right Trac Financial Group, Inc.

  "We met Joe Petrowsky under dire circumstances. My boyfriend Ryan and I been working with a big bank for a month and a half trying to obtain a mortgage loan. I had a tricky employment situation at the time that I thought precluded me from easily obtaining a loan like that. Rest assured, the big bank told me, they dealt with people like me “all of the time” and that “things would be fine”. On our exact mortgage contingency date, our loan officer apologetically called to let us know our loan had been rejected.

We’d completed every step of the process, from inspection to appraisal, and after all of that work, the loan was reviewed by an actual underwriter 50 days after application, and was rejected based on the fact that it didn’t meet the bank’s basic employment criteria (two years worth of 1099s for a self-employed individual, which is standard for mortgage loans). In all reality, the person who filed the application should never have accepted me as an applicant in the first place.

Once rejected, we couldn’t let the idea of the house go. We felt if only we could find someone who could sink their teeth into the process (a phrase stolen from Joe) and get the final pieces of the job done.

We called Joe for the first time on a Friday afternoon. I couldn’t help but feel like he felt as serious as we did about the house after only five minutes of speaking with him. He then passed on his cell number to us, “in case you need me over the weekend” he said. Needless to say, by Sunday night I’d called Joe back and set up an appointment for first thing Monday morning.

We’ve been in our house for exactly one week. To say that all of this has yet to completely sink in is an understatement. In four weeks time, Joe, his daughter Jill, who expertly handled our loan paperwork, and succeeded in keeping me calm and sane, brought us from start of application to the closing table. The level of personal service and attention that we received was unparalleled.

Joe isn’t just an excellent mortgage broker, he’s an excellent businessman in the purest sense. He operates his company based on honesty, integrity and good old-fashioned hard work (and in our case, a healthy dose of problem solving). Joe’s vision is that anyone who wants to own a home can do so by moving forward with the right insight and determination (he offers both to his customers). Sounds so simple, but I know firsthand that one is hard pressed to find banks or other brokers operating off of these basic principles. Joe also made it easy to have some faith in him. After a few weeks into working with Joe, Ryan started saying, “Hey, remember, in Joe we trust” whenever I started to feel overwhelmed, and that phrase has stuck. Hard work and honesty, faith and trust in good people. Think of how the world would be different if all things were done the way Joe does mortgages!