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Thank you for your kind words 

Joe has helped me finance multiple properties; both home and investment. Without a doubt, Joe is the most knowledgeable in the field. His motives are pure – to help YOU finance a property that makes the most sense given your situation; not just for the short term, but the long term. He is an artist and master of finance. He knows the value of money and logic of investment. Personally, Joe recently saved my emotional life. Honestly. We met with the intention of doing a refi on an investment property in order to pay off some student loans that had me in a death grip. Joe was brilliant in guiding me to a final decision. Believe it or not, he discouraged the refi and had knowledge about my son’s student loan that hadn’t been disclosed to me. As I’ve been worried sick over how the heck I was going to pay off the loans, Joe, provided insight, which I confirmed with the lender that relieved the pressure – FOR GOOD!!!! OMG. I am grateful for his honesty, pure intention to help and global knowledge of the financial world. Joe rocks – you could never go wrong sitting with him to discuss your needs. His staff is lovely and always willing to do what is necessary, Trust him…he is awesome.

Can you imagine being in the mortgage business and talking your client out of refinancing and coming up with a better solution? My wallet must be wondering what the heck I am doing, but my heart knows it’s the right thing to do.


Judith L. Imperatore, M.Ed.


Hard work and honesty, faith and trust

“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!
Christina Rizzo

Restored my faith in the lending industry

“Joe and his team came through for a client of mine that had been turned down for a loan due to a status change in employment (from W2 to a 1099). Joe methodically assessed their situation and thought outside the box in how to get the job done BEFORE it was due! The situation restored my faith in the lending industry. It seems unconscionable there are credit-worthy Buyers who hit roadblocks and think they’re out of the game. I am so glad he was introduced as another option for my clients!”
Mary Beth Welsh, GRI, ABR, ASP

They are #1 in my book !!!

Dear Joe,
“I can’t begin to say what a wonderful experience I had with Right Trac Financial Group! Working with Joe Petrowsky and Jill Petrowsky was a wonderful experience. Their expertise and their knowledge is superb!! I don’t have enough words to thank them for getting me on “The RIGHT track” and getting everything in order for me in such a short amount of time. I HIGHLY recommend Joe to anyone and everyone! There is no way I would be where I am today without their help!! Don’t think twice about seeking out advice or financial help from Right Trac Financial. I will always be grateful to Joe and Jill !!! They are #1 in my book !!!”
Pam Maynard

Professionalism, knowledge and understanding

John and I would just like to thank you both for your outstanding service.  Refinancing with Right Trac was the smoothest loan transaction we have ever done.
Dealing with local “traditional” banking institutions was one of the worst things we ever had to do. Being a long term customer with no negative payment history didn’t matter.  Thinking outside their boxes (cubicles) was not an option.
Dealing with you both was a pleasure.  Your professionalism, knowledge and understanding was very much appreciated.  Not to mention your efficiency….application to closing…1 month!!!!
Again,  we just want to say thank you both.  There has been a huge weight lifted off our shoulders.  Our only regret was that we didn’t contact you last year when we were given your card from an acquaintance.  But we are now on the RIGHTTRAC!!
Thanks again,
John & Lisa Raymond

Why I follow Joe’s blog

Why I follow Joe’s blog on LinkedIn?
I am pretty active in LinkedIn; every day I receive a bunch of articles from the news feeds. I glance over only for a few seconds – like any person doing 10 things at once, hoping to find something to catch my attention instantaneously: a phrase… an interesting combination of words. I noticed Joe’s posts always captivate me right away, and I read his articles “hot off the press”. Sometimes, I even take time to share my feedback.  So what is it in Joe’s writing that draws my attention and makes me look forward for a new story every day? Here is my list of reasons:
•    Joe’s writing is never a speech about the “much-repeated” 3 things every successful CEO did, 7 things you should not do as a boss, or 10 things to know about becoming a successful entrepreneur.
•    He is not talking to you about Search Engine Optimization or Big data; he is a Realtor, a mortgage broker and an entrepreneur; and, he only talks about the areas he knows best.
•    His writings are real life experiences: how a couple ended up getting married after buying their first house, how his entrepreneurial journey evolved from cattle business to real estate investment, or how a disappointed customer, with a denied mortgage application, hung up on him.  Each story has a heart-warming human touch.
•    Joe honestly talks about his failure as much as his successes. He is sharing the anatomy of his mistakes, and by putting them side by side to his accomplishments you could always learn something new.
•    Joe’s writings are brief, straightforward, informative and are inspirational at times.
•    Joe does not have a technology background; his business started as a cattle business, but he takes advantage of all the available technology tools to promote his business. He is a lifelong learner on how to use the current trends in technology to promote and advance his business.
•    I have the privilege to know Joe in person, and I find his true personality on all his writing. I feel connected with his stories most of the time.
Thank you, Visu

Very successful lender with licenses in 8 states

 “Joe Petrowsky and I had an interesting chat the other day. I am not sure if he was interviewing me or the other way around. We live on the opposite sides of the country and yet felt like we knew each other very well through Active Rain.
Joe is a very successful lender with licenses in 8 states, CT, MA, RI, VT, NH, VT, NY and FL. Unfortunately not in Washington State where I do business. We talked about he and his wife Gail and their thriving business of flipping properties. This is just a sideline to Joe’s main business of helping people get the best loan possible for their situation.
One of many topics we talked about were cash buyers. We have a lot of them here, “Don’t you just love their little cotton socks”. Anyway, I digress we touched on the subject of Reverse Mortgages. A way for Cash Buyers to free up a good percentage of their cash for other investments and still have the home of their dreams.
Well this peaked my interest and I asked Joe if he could blog on the subject as I think a lot of agents would find this approach very valuable.
Here is a quote from his blog. “Buying a Home Using a Reverse Mortgage”
Millie called about 6 months ago, just prior to moving to Florida. She told me that she was planning on purchasing a nice home, but didn’t have enough money to pay cash, but had a sizeable down payment. She shared that her account recommended I be called to discuss some options.
Millie was in her mid 60’s and her only means of income was her social security and a small pension, so a mortgage payment would have been a challenge. My suggestion was a reverse mortgage as a solution to her situation.
She eventually put a deposit on a $220,000 home. The transaction ended up with her ability to qualify for nearly $120,000 mortgage and the balance came from savings. She can now have her home with no mortgage payments. Her responsibility was her taxes, insurance and maintenance of her home. For Millie this was the perfect solution
Why don’t you give Joe a call if you have a client who could use his services.”
Helen & Larry Prier- Owners/Brokers
360 298 4567

One of, if not THE, most honest and helpful mortgage brokers

“Joe has got to be one of, if not THE, most honest and helpful mortgage brokers I know. Of course he knows the ins and outs of the mortgage business like the back of his hand. Anyone can learn this. What sets Joe apart is his care for the client. He really seeks to understand the wants and needs of his clients so he can recommend the best solution for them – regardless of whether they originally expresses this or not.
He asks probing questions to understand the clients’ short-term and long term needs. He operate with integrity and will not do a mortgage if the person is qualified…or not qualified yet. He’d rather wait and do the right thing vs. having a client be in a very tenuous situation that may come back to bite them later.
He is also a master at finding creative solutions. Because he knows sooo much about the current programs, new programs and upcoming regulations. He is always looking out for the best interests of his clients and is always willing to help. He’s a true giver.”
Debbie Gartner, The Flooring Girl,

Clients will be pleased, educated and comforted through the process

Dear Joe, I’ve written this recommendation of your work to share with others.
“I referred to Joe a client with an FHA mortgage in Massachusetts who had previously been given conflicting (and incorrect) advise regarding their mortgage. Having a higher rate they wanted to take advantage of the rate environment and refinance. Joe educated them on all of the in’s and out’s of their mortgage program, explained that refinancing would increase their mortgage insurance and that it would not make sense for them right now. He advised them on when the right time to reconsider refinancing for them would be. I immediately received a phone call from my client thanking me for the introduction to Joe, how comfortable they felt with him, appreciative of the information and relieved that they now have no uncertainties or questions and a plan moving forward.
I know that in referring a client Joe, he is going to do the best and right thing for the client above all else. Additionally, the clients will be pleased, educated and comforted through the process.
Thank you Joe!”
Daniel Tarbell

Highly recommend Joe Petrowsky

“I highly recommend Joe Petrowsky as a mortgage banker. He understands the details and the importance of timing while working on a transaction team.
Client’s trust and confidence are important factors to have and I believe that Joe Petrowsky has these qualities and works to get the transaction closed, successfully.
I advise my clients to go through the preapproval process, prior to looking at homes. You need to know your numbers and also, what programs that may be available to you that will save you money. Be sure to contact Joe, today, to begin your home purchasing process. He will be happy to meet with you and provide me with a solid preapproval letter to better assist us with our home purchase negotiations, going forward.
Fran Rokicki”

Always full of encouragement, honesty, integrity and sincerity

 “I have known Joe for over 25 years. I have represented him as a client and I have been a client of Right Trac Financial myself. There is no one who can match Joe’s abilities, talent, skills and his deep down desire to help people gain or retain homeownership and the “American Dream”. I have seen Joe at his most creative when folks have hit hard times — Joe finds a way to obtain financing for them and to get the job done. Joe cares, Joe understands, Joe will provide all the time and effort needed to get a deal done. He works hard to get a deal done in a timely fashion. Joe cares about his clients and he puts his all into the task before him, always full of encouragement, honesty, integrity and sincerity.”
Randy Kirsh

Brings a level of experience, intelligence and sophistication

“Joe Petrowsky is one of the best. He brings a level of experience, intelligence and sophistication to his approach that is really unmatched. Joe seems to thrive on the most difficult transactions, and it’s obvious to those who know him that he has been through it all! But perhaps most importantly, I can tell Joe places the greatest value on providing a high level of service to his borrowers and improving their overall financial situation through the loan process. When we sit down for a closing, I can always see that his advice and counsel throughout the loan process is truly appreciated by his borrowers. On my own and on behalf of all of those happy borrowers, I am happy to endorse Joe Petrowsky.”
Jason Doucette

One of the most ethical mortgage brokers/bankers

“Joe is one of the most ethical mortgage brokers/bankers I have had the privilege of being associated with. I have know Joe since 1998 and highly recommend him and Right Trac Financial Group.”
Ana Comford, Manager at Kansas State Bank of Manhattan

Combination of experience and resourcefulness is top of the line

 “I am an attorney who represents, among other clients, homeowners in foreclosure, or behind in their mortgages, or simply may want a better deal. I started recommending Joe to clients back in 2009 and he has invariably come up with honest and creative solutions to their given circumstances. Joe’s combination of experience and resourcefulness is top of the line and I highly recommend him to anyone seeking a mortgage.”
Kevin Burns

The mortgage industry could use a couple more like Joe

 “Joe contacted me with a loan referral in Myrtle Beach, SC. Joe had found me on ActiveRain and taken the initiative to reach out to me. At first I wondered if it was really someone wanting to sell me leads, but after doing a quick internet search I realized Joe was the real deal. I got back in touch with Joe and we had a wonderful conversation. Joe really impressed me with his knowledge of our industry and the increasing influence of social media in how we stay in touch with our customers. I can see why Joe has a thriving business and satisfied clients. The mortgage industry could use a couple more like Joe Petrowsky.”
Dan Dickson


 “The one word that comes to mind when I think or speak of Joe Petrowskyis “Nonpareil” which means second to none. Joe maintains ALL attributes in a person that you would want to know professionally and personally. I first met Joe in 2003 when I was thinking of refinancing my mortgage and before I knew it the refinance was done and I was on a quicker path of owning my home. I’ve kept in touch over the years and his ongoing advice has proved positive in the decisions I’ve made. I find myself once again utilizing Joe’s services (2011/2012) and know that my next financial decisions will be towards the right direction during these economic times.”
Mary Beth Rossi

I consider him a trusted friend

“I have known Joe for 25+ years. He has helped me and members of my family with mortgages and financial advice. I consider him a trusted friend and brother.” December 14, 2011
Top Qualities Expert, High Integrity, Creative
Len Martin

Top Qualities: Expert, high Integrity, Creative

“Joe Petrowsky was outstanding in helping my husband and I choose the best option to refinance. This is the first experience with a mortgage broker who cared enough to spend the time and run the numbers on many different scenarios before recommending what he thought was our best option. We are thrilled to have met Joe and worked with him!” Top Qualities: Expert, high Integrity, Creative
Dave and Lynn Cannarella

Top Qualities: Personable, Expert, High Integrity

“I first recommended Joe on Linkedin a couple of years ago and he has continued to amaze me and my clients. As a financial advisor, it is very important to me that the client’s I send to Joe have a very positive experience and can trust Joe as much as they have trusted me over the years to manage their money. Each referral that I send to Joe calls me afterwards and tells me how comfortable they have felt with him. They appreciate his honesty and insight into their mortgage situations and feel comfortable that they have gotten the best advice from Joe to put them on the Right Trac. Without hesitation I recommend Joe to all my clients.”  Top Qualities: Personable, Expert, High Integrity
Jay Bigman

Has yet to prove me wrong

”My first thought of Joe upon meeting him in 2002, was that this is a man who knows what he is doing. Since then he has yet to prove me wrong. Whether we are discussing business strategy, servicing clients, or just chatting about life in general, he shows his commitment and passion. I believe it is because of his dedication to the dual role of student and teacher.”
Maria Keiser, Managing Member, The Entrepreneur Circle

Thank you again for all you have done

“Words cannot even begin to describe all the emotions I am feeling right now. I moved from Puerto Rico to the United States26 years ago. For 26 years I have been renting from one landlord to the next. I have been making sacrifices to make ends meet and to provide for my four daughters to the best of my ability. To say I am appreciative for the opportunity to purchase my first home, is an understatement. I am ecstatic at the age of 41 to finally own my first home. I am extremely pleased and satisfied to say the least, with all the services offered by Joe Petrowsky and Widalis Concepcion. I am humbled to have been granted the opportunity to meet both Dava and her husband Brett. They have truly made a dream a reality for not only myself but also my family. I just want to let it be known that my family and I are very grateful and blessed to have had the chance to meet you all, and will by all means recommend your services to all we encounter. Thank you again for all you have done for my family and continue to do for others.”
With Love and Gratitude~Ana Coll, Jose Resto and Family

Extremely Knowledgeable

“As an Account Executive who has worked with Joe and Right Trac Financial for over 10 yrs, I can without hesitation state he is a consummate mortgage professional. Extremely Knowledgeable in every aspect of the mortgage industry. Joe’s best interests lies with his clients. His integrity, honesty and overall infectious optimism for the mortgage industry is exemplary. It is a pleasure working with him and highly recommend Right Trac Financial for your mortgage needs”
Elaina Johns, Account Executive, Franklin American Mortgage Company

Very pro-active, professional, courteous, accommodating, diligent and honest

“I would like to take this opportunity to recommend Joe Petrowsky of Right Trac Financial Group. Joe’s customers are always well informed and are given straight advice from the first conversation. Joe Petrowsky’s feedback is something I always make sure I receive directly when discussing a new initiative or procedure change, his insight into what is reality in today’s marketplace makes him a valuable sounding board. I have been very impressed with Joe for several years…in addition to being true to his word, I find him to be very pro-active, professional, courteous, accommodating, diligent and honest in seeking solutions for his clients. If you are fortunate enough to have the opportunity to work with Joe or any of his highly competent staff, I highly recommend you do so.”
Top Qualities: Great Results, Expert, High Integrity
Gregory Korn

Greatly appreciated the depth of the knowledge

 “Joe puts the “E” in Expert.
We greatly appreciated the depth of the knowledge he shared with us when preparing to buy our first multi-family house. In a very short amount of time we learned valuable and honest information that continues to help us as we prepare to buy another home in the near future (we WILL be working with Joe again).
Joe is a great person to work with and a trusted adviser as we currently venture into a new territory, owning and operating a family business. I’m inspired by and enjoy his wit, charisma and dedication to others moving forward in positive ways.
From the day I met Joe Petrowsky I’ve recommended him highly and will continue to do so.
Please feel free to contact me directly to hear my genuine enthusiasm of working with Joe.” Top qualities: Great Results, Expert, High Integrity
Dawn Greenfield

Stellar loan performance

“I would like to take this opportunity to recommend Joe Petrowsky of Right Trac Financial Group. I first met Joe about 7 or 8 years ago while he was a steady, top performing partner with Option One. Joe’s customers were always well informed which looking back, was a key indicator of the stellar loan performance for the business we did together. As I would seek out customer feedback for various company rollouts or initiatives, Joe Petrowsky’s feedback was something I always made sure I received…either directly or indirectly. I believe Joe is as good and perhaps even better than advertised. I have been very impressed with Joe for several years…in addition to being true to his word, I find him to be very pro-active, professional, courteous, accommodating, diligent and creative in seeking solutions for us and his clients. As we ventured out to rollout O2Funding…not only was Joe a priority customer for us to seek out doing business…he reciprocated my respect for our relationship and opened his doors to us with open arms. If you are fortunate enough to have the opportunity to work with Joe or any of the gang at Right Trac, I highly recommend you do so.” Robert Germano, VP, Regional Sales Manager, o2Funding

Joe was my mentor

“I have known Joe since 2002. For a number of years I worked at Right Trac Financial and Joe was my mentor providing advice and knowledge about the mortgage industry. I was able to witness how Joe treated all Right Trac clients with the utmost of respect, with integrity and created innovative solutions that had a positive impact on improving the lives of his clients. When I took a position as a mortgage wholesaler, Joe became a highly valued client. Joe has high integrity and morals, a strong work ethic and a sterling reputation in the industry. There was never a question with his paperwork or documentation to support the requested loan amount. Over the years I have had the opportunity to refer numerous clients to Joe and Right Trac Financial. Each and everyone have had positive experiences and were very pleased with the way in which they were taken care of by Joe and Right Trac Financial. In today’s crazy constantly changing mortgage financing environment, Joe is the person to call on to get the job done correctly with long lasting positive results for his clients. I highly recommend Joe if you need a mortgage, are thinking about refinancing your current mortgage or are in need of mortgage financing advice.”
Carlo Carlozzi, Jr.

Creative expert that gets results

“Simply put, Joe is a creative expert that gets results. He is a motivator, and will not accept no for an answer. He is extremely trustworthy, and is a “giver” versus a “taker”. I would add that he has an electricity about him, that puts you at ease immediately. Keep up the great work, Joe!!!!”
Gary Catania

Always comes through for his clients

“Joe Petrowsky has been partnered with M&T Bank to provide 203K (rehab loans) and construction financing to his clients since 2004. I have had the pleasure of working with him and his staff for over four years. He is a true professional mortgage banker, one that can be trusted with your home financing needs. Joe always comes through for his clients.”
Top qualities: Personable, Expert, High Integrity
Pompeo Gatto

Creative, inventive, knowledgeable and perhaps best of all caring

“In the mortgage industry there are many people and companies who can assist you with getting a loan. However there are only a few people who are able to get the hard ones done right. Joe is among the best of those people. He is creative, inventive, knowledgeable and perhaps best of all caring. These are unique qualities in this industry. He is a pleasure to work with from an attorney stand point. I have referred many tough loans to him over the years and always felt comfortable that Joe could handle them and assist these people who were simply in a bad circumstance. It is his compassion and the passion that truly sets Joe apart in the mortgage industry.”
Larry Garfinkel, Attorney, Bendett & McHugh, PC

Joe gets the job DONE!!!!!

 “I first contacted Joe in October 2009 through a close friend’s recommendation. He was not only very easy to talk to, but also very helpful from beginning to end in my mortgage process. His staff is top notch, and I plan to hire him/this agency again when I make the jump from condo owner to house owner in the near future! Joe gets the job DONE!!!!!”
Top qualities: Great Results, Personable, Expert
Sonya Cosumano

Top qualities: Great Results, High Integrity, Creative

“I have worked with Joe on more than one occasion regarding a mortgage and each time he has more than fulfilled my needs and expectations. He has a knack for making things happen, is creative in his approach and has always produced great results. I am honored to know and have worked with such a personable and trustworthy gentleman. Thanks, Joe, for being a friend.”
Top qualities: Great Results, High Integrity, Creative
Matthew Quinn

The great litmus test for me is meeting somebody that walks their talk

“As a borrower seeking professional advice, I understand more than most of the need to get the right advice first time.
To offer advice at the highest level, you need to have a thorough understanding of your industry. Of course Joe understands mortgage finance. Intimately. But that is just the beginning. What sets him apart from his peers is his attention to detail, his management of files to ensure they both meet lender criteria, and presented in a way to ensure they are approved when you as a borrower need it most.
The great litmus test for me is meeting somebody that walks their talk. Joe is active in the real estate market, and has an extensive network of resources available to be able to guide you through the acquisition, negotiation, appraisal, property inspection, legal, accounting, and property management processes you may also need assistance with.
Joe receives my highest endorsement.”
Troy McErvale, Founder and Managing Director, Freedom Group of Companies

Impressed with the high level of service his company has provided

 “I hired Joe to help with my home refinance twice. I was impressed with the high level of service his company has provided. These were the easiest mortgage transactions that I have ever had! Joe and his staff is very professional, result oriented and knowledgeable. On a personal note, I always enjoyed and hopefully will enjoy in the future every opportunity to be in touch. Joe is very personable, open and always willing to help individual. It was our great pleasure to do business with Joe. I would not have any reservations to recommend him to anyone.”
Top qualities: Great Results, Expert, High Integrity
Boris Zeiberg, MCPD, MCT

I will continue to refer my clients to Joe for all their mortgage needs

“Joe is one of those people that when you meet him will have an immediate positive impact in your life. I have known Joe for over a year now as a member of my BNI group and it is with great pleasure that I recommend his work. It is with full confidence that I have sent my own clients to Joe for all of their mortgage needs. He is innovative, creative and most importantly honest in the work that he does. His commitment to his work and to his clients is unparalleled. I will continue to refer my clients to Joe for all their mortgage needs in the future.”
Chad W. Langevin, Financial Representative, Northwestern Mutual

Thank you Joe!

“Joe and Right Track Financial where there for me when it was time for our re-finance. Joe took the time to meet personally and he and his staff made our mortgage happen in times that using a regular “bank” would have been a much tougher option. He also had managed to get my wife and I an approval on a new construction loan which is nearly impossible when a person wants to be the general contractor themselves. Thank you Joe!”
Top qualities: Personable, On Time, High Integrity
Roland Violette

Honest, hard-working and one of the nicest people I know

“I have recommended Joe and Right Trac too many people over the years and Joe came through when others couldn’t. He is honest, hard-working and one of the nicest people I know.”  Top qualities: Great Results, Expert, High Integrity
Erin Field (

Provide the very best mortgage solution for every situation

“Joe is a highly regarded and accomplished professional with a tremendous amount of knowledge and expertise. He has a very competent and friendly staff at Right Trac Financial who work hard to provide the very best mortgage solution for every situation. I have been recommending Joe for many years and hear nothing but great reviews and heart felt appreciation for doing so. I will continue to recommend him with complete trust and confidence.”
Top qualities: Personable, Expert, High Integrity
Jim Ericson

Joe is my go-to guy

“Joe is the rare combination of a ‘can do’ guy who is extremely generous and has total integrity.
As a mortgage professional, I am very picky when it comes to referring other mortgage professionals. Joe is my go-to guy when my clients require mortgage assistance in New England”
Dave Steinberg, Mortgage Broker – Personal Mortgage Consultant, Summit Funding

The difference between Joe and other lenders

“Joe has helped several of my clients and friends get loans when they were denied by other lenders. The difference between Joe and other lenders is that he doesn’t “try” to get you a loan, he “does” get you a loan.”
Jennifer L Lovett, Owner, Crystal Financial Ins Svcs


“I call Joe the “Magic Mortgage Man.” He is truly a diamond when it comes to finding the right loan solutions for his clients. You will be thrilled that you selected Joe to represent you when you see how well he understands the ever-changing loan market and prides himself on meeting his clients’ needs and being punctual, efficient, and honest. YOU JUST GOTTA GO TO JOE!”
Top qualities: Great Results, Expert, High Integrity
Erika Dworkin

You are the priority and he will do everything he possibly can

“I have known Joe for many years and he really knows the mortgage business. He always makes you feel like he is working for YOU. You are the priority and he will do everything he possibly can to help you reach your goals.”
Top qualities: Great Results, Expert, High Integrity
Rob Hellstrom

I would highly recommend due to outstanding service

 “I have worked with Joe’s company for approximately three years now. He is highly respected in his field and extremely well known within the mortgage industry. Despite his incredible success he is amazingly humble. His staff constantly quotes Joe as someone who is not too proud to admit that he looks forward to learning something new each and every day. The people who work for him speak of him with such loyalty and pride. It is of no surprise to me that his office conducts itself with so much efficiency, integrity and class. Joe runs a very tight ship. His processor is amazing. She knows the regulations and is extremely careful to follow each and every one to the “T”. She is an absolute pleasure to work with and one of the best processors I know. The loan officer I work with is also amazing. He is the perfect example of what someone can achieve with hard work and determination. He takes his work incredibly seriously and tries his very best to create perfect loans each and every time. He works harder than anyone I know. Joe is someone I would highly recommend due to outstanding service, knowledge, efficiency and client satisfaction. I have been practicing in this field for 13 years and I can say that the relationship I have developed with Joe and his company is like family. I look forward to each and every closing and hope to continue this relationship for many years to come.”
Lynette Mendoza Villa, Owner/Attorney, Law Offices of Lynette Mendoza Villa

Knowledgeable and always accommodating

“I have referred several clients to Right Trac, including business owners looking to restructure debt, experienced and first-time home buyers, and home owners looking to refinance. Joe Petrowsky and his staff are knowledgeable and always accommodating to client needs. I highly recommend them.”
Joel DeFelice, Associate Attorney, I. David Marder & Associates, LLC

You can rely on Joe

 “Joe Petrowsky helped us re-finance our mortgage, but the final result went way beyond just the mortgage. He helped us create a financial plan that eliminated a car payment and put cash in our pockets for needed home repairs, as well as reducing our monthly mortgage payments. We think it was a brilliant plan that worked on many levels. Joe and his support staff are wonderful to work with. You can rely on Joe to keep you relaxed, educated, and even entertained through the entire process!”
Top qualities: Personable, Expert, High Integrity
Nancy Simonds

Considerate, understanding and an obvious expert in his field

 “Recommended by our son Fred Gauthier Joe is considerate, understanding and an obvious expert in his field. My husband and I were instantly put at ease in trying to re-mortgage our house. Not an easy task but very appreciated. I would recommend Joe to anyone who doesn’t like a lot of confusion and get support and straight talk. thank you Joe. Fred and Sharon Gauthier”
Top qualities: Great Results, Personable, Expert
Sharon Gauthier RN/MSN-iRNPA,

Reputation are unmatched

“Joe has been a business partner of mine for a number of years. He and his company’s reputation are unmatched in the market and his amount of referral business is testament. As a wholesale AE, I have a great deal of choice where to send a friend for their retail home loan; I send them to Joe.”
Charlie Napolitano, Senior Account Executive, ClearPoint Funding

Joe is the great problem solver

 “I have known and worked with Joe for many years. Joe is the great problem solver. His years of experience and knowledge along with numerous connections are the key to his ability to solve your mortgage problems that others cannot. Joe also has a wonderful support staff at Right Trac that is a pleasure to deal with. I can also attest to being a client of Joe’s, as he has secured mortgages for me, a self employed appraiser.”
Ray Lima, Appraiser, Ray Lima, Appraiser

We have received the BEST service, rates and guidance

 “We have used Joe and his company for very high end mortgage financing. We have received the BEST service, rates and guidance. Feel confident in using this company and Joe personally.”
Top qualities: Great Results, Expert, High Integrity
Christine Hanson

Cares about his clients

 “Joe is the most knowledgeable mortgage person I have come across in my 15+ years in the industry. He cares about his clients, knows the mortgage industry and the programs available and does everything he can to get the person the best mortgage that they can qualify for. I would always want Joe on my team if I were looking to purchase or refinance a home in this marketplace.”
Peter DiPaoli, Previous Vice President/Mortgage Consultant, Right Trac Financial Group

I consider it a great honor to be working with Joe

 “I have known Joe for some time now and knew of him through his reputation for years prior to ever meeting him. His knowledge of the mortgage industry and his dedication to his clients is unsurpassed in the industry. This is highly evident through the tremendous success of his company. I consider it a great honor to be working with Joe.”
Eric Boucher, Previous Loan Consultant, Right Trac Financial Group

Right Trac Financial Group
110 Main Street
Manchester, CT 06042
Phone: (860) 647-7701

Right Trac Financial Group Trac Financial Group, Inc.
Mortgage Broker License Number: MB2709
Licensed in: Connecticut, Massachusetts, Florida, and New York

Equal Housing Lender