Rick Cignoli's Blog

Summer is here and you’ve finally moved into your First Home. It’s time to kick back and relax a bit. Cookouts are an awesome way  to begin making great memories with family and friends in your New Home. Here are some tips to a successful cookout that will keep guests wanting to come back for mo...

   Let me be the first to welcome you to 479 Mount Fair Drive in our desirable neighborhood in Watertown CT. Formal living room and dining room, large country kitchen leads  to large deck with mountain views. Family room with wood-burning fireplace and vaulted ceilings. 3 BRs including master Sui...

  The presence of a Significant Derogatory Credit Event on a borrower’s credit report represents a significantly high level of default risk to any mortgage lender. Examples of Significant Derogatory Credit Events include:♦  Bankruptcies♦  Foreclosures♦  Short Sales♦  Deed-in-Lieu of Foreclosure♦ ...

You don’t learn about how to buy a house in school. They don’t teach you  what you need to apply for a mortgage, what kind of loan you’ll need, or what PMI is (it’s called private mortgage insurance) And let’s not mention that you need to shop around for the best deal — or you can hire somebody ...

  As a First Time Homebuyer, you're about to make one of the biggest financial decisions of your life. For Millennials, a new home represents the most expensive purchase they'll ever make. One of the best things you can do is read, research and learn about the mortgage application process. The mo...

Are you a Millennial? Are you a First Home Buyer? Are you thinking about moving up of downsizing? Is 2016 the year you've decided to get off the fence and buy that dream home?  Real estate professionals are always optimistic about the Spring Buying Season. Sellers have finished staging their hom...

If you use a credit or debit card, bank online or make any kind of electronic financial transaction, you face some risk that your personal information or money could be stolen. That means pretty much everyone is exposed to this threat. Here are 10 Smart Moves To Protect Your Bank Account 1.  Rev...

 Your Credit Score is the most obvious factor in your ability to get your Mortgage Application Approved. The higher your FICO Score the less risk you pose to lenders and the lower your interest rate. Here’s What  Affects a FICO Score?  35% - Payment History  30% Amounts Owed  15% - Length of Cred...

In the real estate market today, there is little chance that as a prospective buyer you are entering a house before you’ve seen pictures of it online. While these shots can give you a good idea of whether or not you like a house, visiting it is still a primary requirement. An Open House can be a ...

What Millennial Homebuyers Must Have in Their New HomeThe Spring 2016 Buying Season is here! Millennials are starting to stray from renting. Instead, they are searching for their first home. There are some specific requirements that this generation wants that may be different from previous genera...