Rick Cignoli's Blog

If you are thinking about purchasing a new home in 2015, it is important to be properly prepared. A homebuyer must lay down the necessary groundwork before they are able to purchase the home of their dreams. This is why Home Sellers and Realtors© require First Home Buyers to get Mortgage Pre-Qual...

While it is important to know what helps to build a good Credit Score, you also have to know what hurts your Credit Score.Your Credit Score is a very important factor when it comes to your familyfinances.  Lenders use credit scores to determine the risk of lending money to a given borrower. It is...

What is the benefit of having Mortgage Pre-Approval when looking for your First Home? There is a difference between Mortgage Pre-Qualification and Mortgage Pre-Approval.♦ Mortgage Pre-qualification is based solely on the you verbally share with your Mortgage Officer to qualify for a mortgage loan...

  Please join us for FREE MLS (Multiple Listing Service) Training with Michele Benson of CT Real.   Michele will discuss recent software changes to MLS. MLS has changed their operating system which effects how Realtors add, edit, search and pull market analyses.   The FREE Training will be held i...

Ketchup goes well with hot dogs, but did you know that it’s also effective at polishing copper? Bet you find it a little less appetizing now! But Ketchup isn't the only condiment or food that has dual purposes around the house. Here are 11 foods that do double duty as cleaning products ... and wi...

  The Waterbury Symphony Orchestra's season opening concert will feature Felix Mendelssohn's score for William Shakespeare's A Midsummer Night's Dream. Probably the most famous incidental music ever written, Mendelssohn composed the miraculous overture as a 17-year-old, and the incidental music d...

  I live around the corner would be happy to be the first to welcome you to your new home at 65 East Street, Watertown, CT   So much potential! Ideal for First Home Buyers Great location, quiet neighborhood. Second floor ready for expansion. Owners never finished second floor. Large rooms, nice y...

  How many FHA deals have you had that died because the appraisal says the property needs hand rails, some painting or 2 new windows? Your buyer is willing to fix the problems, but can’t get on the property until after closing. And the bank/seller refuses to spend the money to get them fixed bef...

"KISS" - an acronym for "Keep it Simple, Stupid" - is a good strategy for homeowners who want to save on interest costs by paying off their mortgage faster.  How so? Simple tactics are easier to execute than any complicated strategy  Homeowners hear all kinds of advice when they are looking to sa...