Rick Cignoli's Blog

When shopping for your First Home, few families will compromise on Location. Have you heard Real Estate Agents refer to the saying, “The three most important aspects of real estate are: Location, Location, Location”? That’s because it is vital to ensure a property is in the most desirable locatio...

First Home Buyers! This large 3 BR ranch has the possibility for an in-law apartment.And It’s Eligible For up to 100% Financing with a USDA Rural Housing Development Loan. Closing costs can be included in loan amount. Low rates! Low MI!Beats FHA and CHFA any day! http://www.realtor.com/realestat...

 In today’s real estate market, most prospective First Home Buyers will be entering a house they’ve seen pictures of 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 great opportunity to see a ...

 At some point during the mortgage application process, the borrower must exercise their agreement with the lender to lock in the rate for their final mortgage.  What is a Mortgage Rate Lock?A Mortgage Rate Lock protects the borrower from the risk that interest rates will increase during the rate...

                         The CFPB has confirmed that the effective date for the new TRID disclosures and timelines has been extended to October 1, 2015.At Norcom Mortgage, we have been preparing for the challenges these new regulations will impose on all lenders, Realtors and closing attorneys. I...

In Flanders Fields By: Lieutenant Colonel John McCrae, MD (1872-1918) Canadian Army  In Flanders Fields the poppies blow Between the crosses row on row, That mark our place; and in the sky The larks, still bravely singing, fly Scarce heard amid the guns below.  We are the Dead. Short days ago We ...

  Oversize 4BR Cape is a must see for First Home Buyers!It’s Eligible For up to 100% Financing with a USDA RHD mortgage. Closing costs can be included in loan amount. Low rates! Low MI! Beats FHA and CHFA any day!http://www.trulia.com/property/3193893204-3-Kittredge-Ln-Winsted-CT-06098Call Me at ...

  First Home Buyers! This cozy, very solid, gas heat home is ready for a new owner.It’s Eligible For up to 100% Financing with a USDA Rural Housing Development Mortgage. Closing costs can be included in loan amount. Low rates! Low MI! Beats FHA and CHFA any day!http://www.ctreal.com/Search/L14961...

  The Mortgage Underwriter is one of the most important people in the Mortgage Application process. Without the approval of an underwriter, no lender will fund or close on a loan. It is the job of the underwriter to ensure a borrower can repay the loan they are applying for and to determine that ...

  First Home Buyers are rightfully nervous about buying a new home. It’s a big decision, a big change and a big investment. But with rising rents, low mortgage rates, new loan programs targeted to First Home Buyers and an increase in the supply of quality homes, many wanna-be home buyers feel the...