“When You Work With a Professional, You Get Professional Results”
Rick is dedicated to building a long-term relationship with his clients. Understanding his clients’ needs with a focus on providing honest answers to their concerns has earned Rick a reputation as a Mortgage Advisor you can trust.
Rick is a seasoned Mortgage Professional who brings 40 years of banking, credit union and financial planning expertise to the home buying experience Rick is committed to helping his clients live comfortably and financially secure in their own home with the Right Mortgage at the Best Rate.
Rick particularly likes drawing on his teaching background to educate First Home Buyers on the complicated mortgage process. He has expertise with:
♦ Conventional Mortgages
♦ FHA and the FHA 203K “Fixer Upper Rehab Loan ♦ USDA Guaranteed Rural Housing Development Loan
♦ Hone Possible Loans for Millennial Buyers ♦ FNMA Home Style Rehabilitation Loan
♦ Construction Mortgages ♦ Jumbo Mortgages
♦ And Much More!
Rick is a licensed Connecticut Mortgage Loan Officer and registered with the National Mortgage LicensingService #76681. He attended the University of Connecticut and is an alumnus of the Stonier Graduate School of Banking at the University of Delaware.
Rick’s Experience and broad Knowledge of the financial markets enables him to help his clients with Courtesy, Competency and Concern. To be sure you have all the right information to make the right financial decision for your family contact Rick at:
“Thank you Rick for taking the time to sort out all the info we found on the internet. Your patience in helping us sort out the pieces of our puzzle got us into our First Home. We’re very happy. Count on us to refer you to our friends.” Mike and Beth. 7/29/2016
“Mr. Rick was very professional and helpful through the process of signing my mortgage. I recommended him as an excellent mortgage broker.” Nancy Salgado. Program Manager, Supportive Housing for Families. 1/16/2014
“I had a great experience with Rick on my last refinance. He knows his business, is very personable, and good followup. He explained everything up front so there were no surprises. I will definitely be using Rick again in the future!” Julie Vardal. PartyLite. 1/15/2014
“I highly recommend using Rick Cignoli as your mortgage broker. Being a First Time Home Buyer I had no clue where to start. Rick took the time to explain to me everything I needed to know on numerous occasions. He got me a great interest rate and I plan on using him to buy my second home very soon. Thanks Rick for all your hard work and time explaining everything.” James C. Construction Supervisor. 1/14/2014
“Tenacious, hard working and courteous. But most of all friendly and respectful. Thanks Rick for helping us refinance our home and for helping Dad with the purchase of his retirement home.” Benjamin M. 1/5/2014
“Rick and I have been working together since 2006. I came to know Rick through the recruitment and eventual enrollment of his son. I continue to remain loyal to Rick because of his comprehensive knowledge of his business, his professionalism, and his rare ability to combine specific technical strategies with how they relate to my own personal situation. He is a true “people person”, an excellent listener and an established practitioner in his field. I trust him fully to provide sound, usable advice and to deliver these pertinent communications in a timely manner.” Matt McCaffrey, Dean of Admissions, Bryn Athyn College. 10/5/2013
I have known Rick, my husband, for close to 33 years. Today is our 31st wedding anniversary. I believe that living with someone that long really opens you eyes to see what type of person they are. I can tell you he is kind, considerate, trustworthy, knowledgeable, informative, understanding and patient. He is devoted to his family and his work. I know how hard he works, but I also know that he is willing to work harder to help you find the right mortgage that fits your needs.” Debbie Cignoli. 9/25/2013
“Good morning Rick. I just wanted to say thank you for committing to a specified date that my loan will close. You made that promise and you came through with it. I am very happy with all of the hard work that you did for me. If hear of anyone who is looking to purchase a home and needs a mortgage professional, you will be the one I tell them to use.” Sue-Ann Cimminello, Director of Operations, Kick Start to Learning, LLC. December 20, 2012
“I’ve known Rick for over 10 years as a business man and friend. He is an honest and pleasant professional who applies himself and his talents to help his clients better their position and make their life more pleasant.” Augustus “Gus” Hampson – Financial Advisor at Northwestern Mutual. May 2012
“I can recommend Rick Cignoli as a person with great skills and deep expertise of solutions. Rick Cignoli is an experienced, creative, wise and strong mortgage professional. His knowledge is vast and thorough. Thanks to interpersonal skills he has great relations with both company clients and potential customers.” Peter Andreotto – Asst. Vice President, Business Development Sales Manager at TD Bank (f/President, Elite Lending Services)February 2012
“As a mortgage professional, Rick was not simply looking for a commission. He took the time to learn and understand my objectives and develop the best possible plan to accomplish those objectives. Rick has gone above and beyond to assist me in what has been become a challenging refinace however his committment and support has never wavered. I recommend Rick to anyone that is looking for solutions to their current mortgage product(s).” Top qualities: Great Results, Expert, High Integrity. Rob Makowski, Director of Relationship Management-Higher One. January 2012
“I recommend Rick as a very professional and knowledgeable Mortgage Officer. He knows the industry and will work hard to satisfy his clients’ mortgage needs.” Hector Avila , Mortgage Banker, Envoy Mortgage. December 2011.
“There are not many folks in the mortgage industry that has been in the business as long as I have. I started my career in 1979. Rick has been in the business longer than me. Longevity in this industry for these kinds of years is the exception rather than the rule. I can speak from experience, if you are not good at what your do, you won’t last. When I interviewed him, it was immediately clear the kind of individual he was. His commitment to helping his clients and impacting their lives in a positive manner was very clear. When I asked others about him, the same theme came through “true professional”. Welcome to Right Trac Financial Group, Inc. We are proud to have you part of the family.” Joe Petrowsky, Owner, Right Trac Financial Group. July 2011
“I have referred several of my real estate clients to Rick for their mortgage needs. Rick was very professional, honest and has many years experience in the business. Anytime I called him with any questions, he was readily available or returned my calls the same day, I never had to wait for a response. He also provided the time and attention to my clients and answered any questions they had. I will definitely use Rick in the future.” Christine Stewart, Realtor and Rental Specialist, William Raveis Real Estate. July 2011.
Hello Rick. Congratulations on your business move! I would be more than happy to provide buyers with your “new” contact information. I find your mannerism to be completely professional and am very happy to refer my clients to you for direction. Bethany Lydem. Owner/Broker. Stonecrest Realty.July 2011.
“Rick did a fantastic job handling the mortgage on my first home. He made me feel comfortable, kept me informed and was extremely personable. I’m glad I had him by my side the whole way. I’d recommend him highly.” Top Qualities: Great Results, Personable, Expert. Rochelle Fainstein, Digital Marketing Manager, Writer. July 2011.
“I hired Rick as our Mortgage Advisor back in 2009. Rick has extensive knowledge on the different types of mortgages available based on our credit scores. He met the tight turnaround times we needed in order to move into your new home on time. I recommend him highly.” Top qualities: Personable, Expert, On Time. Hope Sidote(client). June 2011
“It was a pleasure working with Rick Cignoli as a First Time Home Buyer back 2007. He was very knowledgeable and clearly explained the details of the entire home buying process and what should be expected since this was all new to me. I came to Rick prepared with several questions. He was patient as well as personable in addressing all of my mortgage concerns. I was pleased with the rate that I received and how seamless the entire process was. I would be happy to work with him again in the future when I am ready to purchase my next home.” Top qualities: Personable, Good Value, High Integrity. Natala Chambers. June 2011
“Rick Cignoli runs his Mortgage business the way I my real estate business, He stays on top of everything so I can better manage the real estate side of the transaction. With Rick, nothing falls through the cracks. We can look out for our client’s best interest. That’s why I recommend Rick Cignoli.” Top qualities: Great Results, Expert, On Time. Tim Clark, Realtor, Stonecrest Realty. June 2011.
“I have known and worked personally with Rick on numerous real estate closings through Envoy Mortgage. I have always found Rick to be well informed as to mortgage matters and very professional as well as easy to work with. My real estate paralegal can always rely on Rick to help with any issues and to work closely with our clients to ensure that the closing process goes smoothly. I would recommend Rick to anyone seeking financing on real estate.”Joe Mazzaccarro, Attorney. Sheffy-Mazzaccaro, LLP. June 2011
“Rick is an experienced and highly ethical businessman who enjoys an excellent reputation in the community he has served for many years. I endorse him wholeheartedly.” Gary OBrien, CPCU, Sales Director, O’Brien Russo Quint Insurance. June 2011.
“Rick and I are members of several organizations and cross path regarding business several times a month. I have found Rick to be very knowledgeable and professional in dealing with all his clients. He is a person who I have recommended many people his way because of the way he serves his clients and will continue to do so in the future. On a personal level, I find Rick a wealth of information and knowledge as well as a great person to speak with.” Kevin O’Driscoll, Owner and Business Coach, RIY Business Group. June 2011.
Hi Judy; I just want to thank you and Achieve Credit Union again for referring us to Rick Cignoli about a year and a half ago. He was able to help us at that time and that allowed us to place ourselves in a better place financially. Things have been going well since then and now he has been able to help us by getting us an even lower interest rate. We are in the final stages of the refinancing. All that is left is to schedule a closing. Rick has been very helpful. Thanks again. Greg Falla. March, 2009.
Rick … Thank you so much for all your help closing my listing on Magnolia Street.YOU DID A GREAT JOB!!!! And, thank you so much for the First Home Buyer lead.I look forward to working with you more in the future. I will certainly tell other clients and agents know how great you and your programs are!!!!! Paula Basso, Realtor. Realty Executives Vision. April 2008.
Rick: It was my pleasure to work with you on Shirley’s refinance. Your discrete service and attention to detail is appreciated and respected. I have another client who is looking are looking for guidance with the refinance of the condo here in town. I will give them your card and look forward to doing some more business together. Attorney Kevin McSherry. 9/8/2008