Rick Cignoli, Sr. Mortgage Loan Officer (Norcom Mortgage NMLS# 71655 Equal Housing Lender) Mortgage and Lending



Rick Cignoli
Sr. Mortgage Loan Officer
location_on Avon, CT — Norcom Mortgage NMLS# 71655 Equal Housing Lender
NMLS# 76681
Get to Know Rick Cignoli

 "When You Work With a Professional, You Get Professional Results"

Rick is a seasoned financial services professional who brings 40 years of banking, credit union and financial planning expertise to the home buying experience. Purchase or Refinance ... Rick is committed to hleping his clients with the Right Mortgage at the Best Rate.

Rick has expertise with the USDA Guaranteed Rural Housing Devolopment Loan program, FHA,  Conventional and Jumbo mortgage financing. He particularly likes drawing on his teaching background to guide First Home Buyers through the complicated mortgage process.

Rick is a licensed Connecticut Mortgage Loan Officer and registered with the National Mortgage Licensing Service. He attneded the University of Connecticut and is an alumnus of the Stonier Graduate School of Banking at the University of Delaware where he also served on the faculty as a Thesis Examiner. Rick's credentials include retail bank management; consumer, small business and mortgage lending; and as a registered securities and investment advisor.

Rick's experience and broad knowledge of the financial markets enables him to help him help his clients with Courtesy, Competency and Concern. Give Rick a call to be sure you have all the right information to make the right decision for your family or your client.  

Matt McCaffrey, Dean of Admissions, Bryn Athyn College
"Rick and I have been working together for multiple years. 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."
Debbie Cignoli
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.”
Sue-Ann Cimmeniello, Director of Operations, Kick Start to Learning
"Rick ... I want to write you a thank you note for all that you did to help me buy my First Home. You were helpful, knowledgeable and dedicated to getting the job done. You made a promise to close my mortgage on time and you did just that. What a way to gain trust in your clients! I had a wonderful experience working with you. If I hear of any one who needs a mortgage professional to help them purchase a new home, you will be the one I tell them to use."
Augustus “Gus” Hampson – Financial Advisor at Northwestern Mutual.
“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.”
Peter Andreotto – Asst. Vice President, Business Development Sales Manager at TD Bank (f/President, Elite Lending Services)
“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.”
Rob Makowski, Director of Relationship Management-Higher One.
“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 mortgage transaction. His commitment 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.
Hector Avila , Mortgage Banker, Envoy Mortgage.
“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.”
Christine Stewart, Realtor and Rental Specialist, William Raveis Real Estate.
“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.”
Bethany Lydem. Owner/Broker. Stonecrest Realty.
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."
Christine Stewart, Realtor and Rental Specialist, William Raveis Real Estate.
“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.”
Joe Petrowsky, President, Right Trac Financial Group.
“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.”
Rochelle Fainstein, Digital Marketing Manager, Writer
“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.
Hope Sidote
“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.
Natala Chamber
“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.
Tim Clark, Realtor, Stonecrest Realty
“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 to all my clients.” Top qualities: Great Results, Expert, On Time.
Joe Mazzaccarro, Attorney. Sheffy-Mazzaccaro, LLP.
“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.”
Gary OBrien, CPCU, Sales Director, O’Brien Russo Quint Insurance.
“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.”
Kevin O’Driscoll, Owner and Business Coach, RIY Business Group.
“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.”
Greg Falla. Teacher
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. You put us in the right hands.
Attorney Kevin McSherry
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.

Understanding my clients' needs, focusing on honest answers to their concerns and providing the Right Mortgage Solution at the Right Rate has earned me the reputation as a trusted Mortgage Advisor.