About Chris Ciardi

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So far Chris Ciardi has created 22 blog entries.

Tips to take your home to the next level this holiday season

It’s everyone’s favorite time of year, full of parties, gifts, LOTS of food and, of course time spent with family and friends. As you prepare to host your loved ones this year, don’t panic! We’ve got a secret weapon. Here to help you transform any size space on a budget is Design Consultant Lorraine Carter with Summit Construction. Lorraine can make any room look like it’s straight from your Pinterest board dreams. [...]

2018-10-09T16:59:50+00:00December 6th, 2017|Categories: News/Events, Towne Tips|

Tips for a Harmonious Home

Whether you’re putting your house up for sale or just looking to give your home a fresh look, it can be difficult to know where to start! As a seller, staging can help your home to stand out among the competition.  To help you get started, we met with Design Consultant Lorraine Carter, who gave us some insider tricks of the trade she uses for staging. In her role, Lorraine helps to [...]

2018-10-17T16:47:43+00:00December 4th, 2017|Categories: Mortgage|

Here’s what you need to know about a VA loan

If you’re a veteran, active duty or reserve military member in the United States, you’re probably aware that you’re entitled to a number of benefits. But are you aware of all of the advantages of a VA Loan? It’s a loan program unlike any other and is one of the few loan programs that allow you to purchase or refinance a home with no money down. A Veterans Affair (VA) Loan is [...]

2018-10-09T17:01:16+00:00November 21st, 2017|Categories: Mortgage|

Three Reasons to Get Pre-Approved for a Mortgage

Serious homebuyers should consider starting the homebuyer process in the office of a loan officer rather than a real estate agent. Potential home buyers benefit in a variety of ways by obtaining a letter of pre-approval before finding a home, including a feeling of confidence when you’re ready to bid on your dream home.

2017-02-23T14:07:19+00:00February 21st, 2017|Categories: Mortgage, Towne Tips|Tags: , |

Home Improvement Projects you can knock out over the weekend

Don’t have the time and money for major renovations? Try some of these mini but mighty home improvement projects. They might not cost a lot, but they’ll make a major difference in the look and feel of your house!

2017-02-17T15:10:20+00:00February 17th, 2017|Categories: Real Estate, Towne Tips|Tags: , , , |

TowneBank Mortgage Introduces #SpreadTheLove

What does it mean to #SpreadTheLove? It means sacrificing your time to do something that will benefit those in your community who need it the most. It means getting together with friends, family, and coworkers to do something that makes others feel good.

2018-10-11T07:26:30+00:00February 13th, 2017|Categories: #ReadySetGrow|Tags: , , , , , |

Should you hire a home inspector?

It’s not mandatory to hire a home inspector before purchasing a home, but neglecting to do so could blindside you to issues in the house that are undetectable to the untrained eye. When you’re touring a home, you’re most likely going to notice that the walls need a fresh coat of paint and that the appliances could use an update. But you might not realize that there’s an issue with the electrical wiring throughout the house—one that could start a dangerous fire if left unfixed.

2017-02-07T09:45:33+00:00February 7th, 2017|Categories: Real Estate, Towne Tips|Tags: , , , |

Light the Fire: A Motivational Night to Remember

Calling all Richmond Area real estate agents! Lacking the motivation you need to take your sales to the next level? Join us on Thursday, February 9th for Light the Fire at the Salisbury Country Club for a motivational night with professional speaker Denise Ryan. At the event, Denise Ryan will share 6 critical steps to keep yourself motivated and fired up! It doesn’t matter what life throws your way—these six steps will keep you driven to make that million dollar sale.

2017-01-31T08:56:02+00:00January 30th, 2017|Categories: News/Events|

9 Easy tips to prepare your home to sell

Before you list your house on the market, it is important to prepare your home to be viewed by potential buyers. Thankfully for you, this doesn’t mean renovating your kitchen and adding a pool. Just a few minor fixes can go a long way in wooing potential buyers. Getting your house in tip-top shape will ensure that it sells quickly and for the best price possible.

2017-01-26T08:59:28+00:00January 26th, 2017|Categories: Real Estate, Towne Tips|

11 easy ways to make a small room look bigger

Everyone has a room in their house that’s a little too small for their liking. It’s easy for a tiny room to feel cramped, cluttered, and unorganized. But a small space doesn’t mean you have to feel like the walls are caving in on you. Here are some tips on how to make your small space feel bigger, brighter and more functional.

2017-01-13T14:02:39+00:00January 13th, 2017|Categories: Real Estate, Towne Tips|Tags: , |

About TowneTalk

We’re thrilled to debut our new, mobile-friendly blog! The TowneTalk blog is your new go-to source for mortgage and real estate industry news. At TowneBank Mortgage, we strive to educate our borrowers, and empower them to make smart financial decisions. Our blog is dedicated to that goal, and aims to inform readers by providing helpful mortgage advice, tips and best practices on home buying and homeownership.

2017-01-09T12:33:52+00:00January 9th, 2017|Categories: Mortgage, News/Events|

10 Ways to cut your heating costs this winter

It’s that time again. Trees are bare, and temperatures are dropping below freezing. In the new year, many of us are setting resolutions to save more money. Here are a few low-investment ideas to help keep your house warm, and save you money on your monthly heating bill. 1. Bundle up. If you’re serious about saving money, this should be the first step. Instead of cranking up the heat, put on a winter [...]

2017-01-05T10:27:49+00:00December 30th, 2016|Categories: Towne Tips|

Nine things to know about VA loans

A Veterans Affair (VA) loan is a home loan partially guaranteed by the U.S. Department of Veterans Affairs, and was designed to help finance homes for eligible members of the military, veterans and some surviving spouses. A VA loan is a great option for military members who qualify, because these mortgages do not always require a down payment and are often easier to qualify for than conventional loans.

2017-01-09T12:22:51+00:00December 29th, 2016|Categories: Mortgage|Tags: , |

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