Rick Cignoli's Blog

 Mortgage Underwriting is the process of verifying information disclosed on your application about your employment, income, assets, debts, and credit history to determine if you can afford to pay back the mortgage loan you are applying for. Mortgage Underwriters also verify that the size of the m...

Buying your First Home depends on negotiating a satisfactory Purchase & Sales Contract with the seller, not just making an offer.How to Determine Your Initial Offer Unless you have a Buyer’s Agent, which we strongly recommend, keep in mind that the Dual Agent gets paid by the seller. Make a point...

A DIY project is fantastic if the job is done well, but too many times quick fixes and other improper work create a lot of problems down the road.The appeal of doing something yourself is undoubtedly huge. In an ideal world, you’ll get a great  sense of accomplishment, bragging rights to all your...

Changes in FNMA Guidelines Enables Norcom Mortgage to Close More Conventional Loans  Here’s What’s New … 1.   Unreimbursed Business Expenses. Buyers earning 2.   Move Up Buyers. Buyers moving up to a bigger home and converting their current residence to investment property no longer need a minimu...

 Whether your selling your home, moving into your First Home or just staying pat, everyone wants a home that looks great. Achieving a high level of curb appeal can be easier than you think. Making a few inexpensive changes can take the exterior of you home from bland to exciting.The best place to...

  Sugar Mountain Farm is family farm with acres of fenced pasture ideal for horses or cattle. House was built in 2002 in the classic Greek revival/colonial style. Revenue producing cottage and 19th century barn with a rented studio.     $100,000 credit given to buyer at closing to complete a 3rd ...

  More than meets the eye!Remodeled Ranch with Circular Driveway. Formal LR. MB Suite. LL Library. Sliders to Large Deck that’s perfect for entertaining.http://bannonandhebert.idxco.com/idx/10639/details.php?idxID=652&listingID=L10057444Call Me @ 860.945.9284 to discuss the right mortgage option ...

Move right in to this 3 BR Colonial in sought after Mt. Fair Farm subdivision and let’s be neighbors.I live down the street and around the corner from this great home and would be happy to welcome you to the neighborhood.http://www.realtor.com/realestateandhomes-detail/479-Mount-Fair-Dr_Watertow...

There comes a time in many families lives when they realize their First Home no longer fits their needs. Maybe more space is required for a growing family or a pay raise allows you to upgrade to something a little nicer. Before deciding whether to renovate your current home or move into a new one...

Make this Fourth of July a memorable one by counting your blessings and truly appreciating our hard won freedoms. Wishing you an Independence Day filled with pride in our country