About Hartford County, CT

A few days ago a family sued over a bathrobe fire death.

A family of an elderly woman who died after her chenille bathrobe caught on fire has filed a $30 million lawsuit against the retailer for wrongful death and product liability.

Blair recalled the products in April after it learned of three robes catching on fire. Six more reports of fire-related deaths linked to the robes have been made since then, prompting Blair to expand its recall this month to include chenille jackets and tops made by the same Pakistani manufacturer.

Just a short post.

As I start into my 24th year in the business, I am reflecting on what has worked for me so far, as well as what I expect will help grow my business in the future. In a referral based industry, such as real estate, there is no larger contributor to success than the people you know.

I just wanted to send a quick THANK YOU to everyone who helped build my business over the past 23 years and I hope I can count on you for many more years to come.

Looking forward to a successful 2010!

The Right Bristol CT Mortgage - Purchase or Refinance at the best Mortgage Rate!

Rick Cignoli is Mortgage Professional with expertise in all areas of FHA and Conventional Mortgage lending in CT focusing on the Bristol CT Mortgage market. Understanding his Mortgage clients' needs with honest answers to their concerns has earned Rick the reputation as a Bristol CT Mortgage Advisor you can trust. ________________________________________________________________________________________________

Whether you plan to:

• Purchase your First Home in Bristol CT
• Purchase a Larger Home. Downsize and Purchase a smaller one.
• Refinance to a lower Mortgage rate
• Refinance to Consolidate High Cost debt

Rick is committed to helping your family with ... the Right Mortgage Solution at the Best Rate! _____________________________________________________________________________________

• FHA Mortgage.
  • Reduced Rates, Cheaper MI & Low Payments for Greater Savings
  • Purchase with Only 3.5% Down
  • $8,000 1st Homebuyer Mortgage Tax Credit (Hurry! Expires Nov. 30, 2009)
• Refinance to a Low Fixed Rate
  • Cash-Out to 85% of Home Value
  • No-Cash Out up to 97% of Value
  • Streamline" FHA Mortgage Refinance with No Appraisal
• Rural Housing Development Mortgage Loans.
  • Purchase with 100% Financing of Appraised Value in Select Areas
  • No MI. No Minimum Credit Score
• Conventional Mortgages & Jumbo Mortgages too!
• Mortgages for 1-4 Family Homes & Investment Properties. ____________________________________________________________________________________________

Rick (http://activerain.com/rcig37) and the local Envoy Mortgage team control the entire mortgage process from the initial application all the way through to the closing of your Mortgage. All your information is kept secure and private.

• Direct Mortgage Lender means In-House Mortgage Approval, Local Mortgage Processing and Prompt Mortgage Closings
  • No Mortgage Application Fee. No Middleman. No Hidden Fees. No Surprises!
  • FREE Mortgage Pre-Approval
  • $300 Credit at closing towards Appraisal cost
  • Hassle FREE Mortgage Experience

When You Work with a Mortgage Professional, You Get Professional Mortgage Results

Rick Cignoli

Senior Mortgage Advisor

Envoy Mortgage

774 Straits Turnpike, Watertown, CT 06795

Direct: 860.945.9284

email: rcignoli@envoymtg.com

Bristol CT Mortgage - Purchase or Refinance

The Right Hartford County Mortgage - Purchase or Refinance at the best Mortgage Rate!

Rick Cignoli is Mortgage Professional with expertise in all areas of FHA and Conventional Mortgage lending in CT focusing on the Hartford County Mortgage market. Understanding his Mortgage clients' needs with honest answers to their concerns has earned Rick the reputation as a Hartford County Mortgage Advisor you can trust. ________________________________________________________________________________________________

Whether you plan to:

• Purchase your First Home
• Purchase a Larger Home. Downsize and Purchase a smaller one.
• Refinance to a lower Mortgage rate
• Refinance to Consolidate High Cost debt

Rick is committed to helping your family with ... the Right Mortgage Solution at the Best Rate! _____________________________________________________________________________________

• FHA Mortgage.
  • Reduced Rates, Cheaper MI & Low Payments for Greater Savings
  • Purchase with Only 3.5% Down
  • $8,000 1st Homebuyer Mortgage Tax Credit (Hurry! Expires Nov. 30, 2009)
• Refinance to a Low Fixed Rate
  • Cash-Out to 85% of Home Value
  • No-Cash Out up to 97% of Value
  • Streamline" FHA Mortgage Refinance with No Appraisal
• Rural Housing Development Mortgage Loans.
  • Purchase with 100% Financing of Appraised Value in Select Areas
  • No MI. No Minimum Credit Score
• Conventional Mortgages & Jumbo Mortgages too!
• Mortgages for 1-4 Family Homes & Investment Properties. ____________________________________________________________________________________________

Rick (http://activerain.com/rcig37) and the local Envoy Mortgage team control the entire mortgage process from the initial application all the way through to the closing of your Mortgage. All your information is kept secure and private.

• Direct Mortgage Lender means In-House Mortgage Approval, Local Mortgage Processing and Prompt Mortgage Closings
  • No Mortgage Application Fee. No Middleman. No Hidden Fees. No Surprises!
  • Free Mortgage Pre-Approval
  • $300 Credit at closing towards Appraisal cost
  • Hassle FREE Mortgage Experience

When You Work with a Mortgage Professional, You Get Professional Mortgage Results

Rick Cignoli

Senior Mortgage Advisor

Envoy Mortgage

774 Straits Turnpike, Watertown, CT 06795

Direct: 860.945.9284

email: rcignoli@envoymtg.com

Hartford County Mortgage - Purchase or Refinance

Manchester FHA Mortgage Loan - How to Pick a Lender in Manchester, Connecticut

Picking the right lender can have a large impact on the success of your real estate transaction. Selecting the right lender can help you to ensure you have selected the right mortgage loan for your situation as well as made sure you got a smart economic deal. Remember a great price on the wrong loan is often thousands of dollars more expensive than the right loan, and a great price that never closes is not a great price.

Tip #1- It is best to consult a real estate professional in the Manchester when picking a lender. Real estate professionals will recommend only the best local lenders as they constantly appraise lenders’ ability to deliver loans and contract terms. They will never suggest untrustworthy lenders to their client as the failure of the lender will cause them to lose their clients and good reputation. Hence they usually suggest only extremely well known lenders that they would use for their own mortgages. Ask Brian Burke, Manchester Real Estate Professional who he would recommend for an FHA Mortgage Loan in Manchester, CT. 860-798-3272.

Tip #2- It is better to use a local lender company in Connecticut than opt for online lenders. Local lenders are well versed in the local laws of the Connecticut. They can solve your mortgage problems better when they arise. Online lenders may entice you with paltry savings; however they may not have loan officers capable of evaluating your situation and selecting the best loan for your situation. They may provide you with Good Faith Estimates which are not complete or have errors leaving you with a closing surprise where you needed hundreds or thousands of extra dollars at closing. They are likely not trained to help you to select the right time to lock, it might be RIGHT NOW, and it might closer to your closing, but are simply call center order takes. Ask them what drives mortgage rates, if they say T-Bills, close your browser and call Jon Sigler 860-306-8029. (Hint the right answer is mortgage backed securities)

Tip #3- You must have a face to face meeting with the lender to sign the application, not because it is required with an FHA Mortgage Loan in Manchester but because it makes you feel comfortable. Will they meet you at your home or another location where you feel comfortable? Are they available in the evening when you are out of work? In general do you feel comfortable? A mortgage is not a time to be hustled, or have a beginner handle things. We are working with your largest asset and your largest monthly bill.

Tip #4- Choose only a lender who makes complete disclosure of all aspects of the loan and puts everything in writing. The lender should reveal all fees, payments and if you choose a broker the commission calculations of the loan. As the broker to specify exactly how much they will be making, not a range of 0-2%, or even a round number. Yield Spread or “YSP” is rarely if ever a round number. Costs like property taxes, credit report inspection costs, escrow fees and pest examination fees should also be disclosed upfront. Your lender must furnish you his GFE-good faith estimate within three days of applying for the loan. He must also enlighten you on prepayment penalties that he will impose for loss of profits due to refinancing and rate slashing when you pay earlier than expected. Make sure that the good faith estimate has enough money for being set aside escrows. It is an easy way for one lender to look better than another, but in reality at closing all lenders will collect the same amount regardless of what your loan officer or broker said or showed you upfront. Ask for a written rate lock agreement, that simple document can eliminate a great deal of transaction frustrations. Your rate is not locked at what it shows on the application, it is locked to what shows on your rate lock.

Following these simple tips can help you to select a great lender to help you with your mortgage needs.Are you looking to buy a home in Manchester or the surrounding area? Call Jon Sigler Manchester FHA Mortgage Loan expert at 860-306-8029. He will be glad to meet with you at your home and will put everything in writing to eliminate surprises.

Thanks to http://www.flickr.com/photos/nate_kate/ for a great photo!