Bristol, CT

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

Bristol FHA Mortgage - The Benefits of Prequalifying for a Home Mortgage in Bristol, Connecticut

Getting prequalified for your mortgage loan is a measurement of your commitment and dedication to making an actual purchase of a property in Bristol. This also gives benefits to all three players in the purchase of a home: the buyer, the seller and the real estate agent. Here are a few benefits of getting prequalified for a mortgage before you actually take the time to look for a Bristol home.

Benefits to the seller

Knowing that you are able to purchase their home will bring credibility to your offer. A prequalification letter is a big step in proving that point to the seller. When that letter comes from a company that is local, or the agents have experience can bring more value to that offer as well. Far too often everyone has been left hanging when the processes started with an internet lender who didn’t properly pre-qualify the borrower, or maybe they don’t offer FHA Mortgage Loans in Bristol.

The Benefits to the Real Estate Agent

Any real estate agent in Bristol will tell you that it takes a lot of time and energy to help his clients find their perfect home. If the bank does not approve their buyers loan that Real Estate Agent has lost those hours and revenue. By taking the time to get pre-qualified before looking at homes shows your Real Estate Agent that you are serious and also able to buy a home.

Your own benefits

You will find that your Bristol real estate agent is much more dedicated to giving you the time and energy necessary to help you find a great home. Also, the seller will take you much more seriously when you place an offer, because he can assume that you are able to purchase their home, because you took the time to get prequalified for your mortgage.

There is a lot of free information available to you about buying, selling or investing in Bristol real estate. For complete information about the Bristol real estate market including current homes for sale, property values and mortgage options including Bristol FHA Mortgage Loans more please call me on my cell at 860-306-8029.

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