Bonnie Gargano, Mtg. Originator, NMLS# 481369

It’s finally here – GRB’s ALL NEW Cash+Guarantee program!

We’ve taken our successful Cash+Mortgage and made it next level with a guarantee from GRB that we will BUY THE HOUSE if the buyer fails to complete the home purchase.*

Real estate professionals - find out more about the mortgage program that gives buyers and sellers a gold standard offer. Join us at Radio Social on Thursday, July 18th from 4:30 – 6:30 PM. Come for the food, drinks, and celebration, but stay for the information! Our GRB residential Mortgage team will be present and ready to answer any questions you may have about Cash+Guarantee.

So come be a part of this Olympic-sized celebration – be sure to RSVP today: https://forms.office.com/r/MFL5YGMYpW

*Some restrictions apply. Talk to a GRB Mortgage Originator for program details and to request a copy of GRB’s Cash+Guarantee agreement.

What a beautiful home! We are here til 4pm come join us for ice cream.

Come join John, Wendie and I at this beautiful home tomorrow afternoon for an Ice Cream Social. 🍦🍨

🖲 606 Brookstone Bend Webster, NY 14580
https://maps.app.goo.gl/BV758LDSkVCG3PWc7
⏰ 2-4pm

Agents! Join John and I today at our brokers open! This home is spectacular, you won't want to miss it!! Lunch is provided.

📍 10 Starcrest Ln Penfield
https://maps.app.goo.gl/gbGwqVj2nS5XmiJq8
📆 Today, May 16th
⏰ 12pm to 2pm

Have a wonderful holiday and enjoy some time with family and friends!

If your spring journey has you buying your first home or selling your existing home to upsize or downsize contact me to get the process started!
☎️ 585-489-9011
💻 [email protected]
apply on=line: www.GRBbank.com/Bonnie-Gargano

Welcome to my House into Home series. 🏠 Making your new house feel like a home is one of the most exciting things to do when you purchase. We'll talk about fun decorating ideas, home maintenance, holiday decorating etc.
Today is all about the cozy spaces.
Turn your new blank space into a cozy and inviting room with plush rugs, comfy sofa and chairs along with some fluffy pillows and soft blankets. Warm woods and ambient light add to the cozy feeling.

Fannie Mae recently announced policy updates that reduce the down payment requirements for owner-occupied, 2-4 unit homes to just 5% - with the change set to take effect after November 18th!

So if you've been looking to invest in real estate, now may be the perfect time to buy!

Contact me today for more program details, and to discover the financing options available to you.

https://www.grbbank.com/Bonnie-Gargano

We made it though the winter! Happy first day of Spring! 🌷

Welcome to my new Sip and Savor series. One of the things I love most about having my own home 🏠 is entertaining family and friends. Whether it's a small intimate gathering or a big party with lots of people, preparing and planning for food 🍝 and drink 🍷 is one of my favorite things to do. In this series I'll share with you some of my favorite cocktails, entrees and appetizers.
What a better way to start off this series than with a St. Patrick's Day cocktail!
ENJOY!! 🍀🍀

With GRB's Cash+Mortgage program, you can make a good-as-cash offer and improve your chances of getting the home of your dreams.

Call me to see how you can be approved for a Cash+Mortgage!

At GRB, we work hard to make the goal of homeownership attainable. But in a dynamic rate environment, it can be difficult for buyers to feel confident about when is the right time to enter the housing market.

With GRB's RateRelief Program, buyers can rest assured that their decision to purchase a home is well supported, and backed with confidence by a local community bank. Eligible applicants will have the opportunity to refinance their mortgage through GRB at no additional cost, should rates drop within 2 years of the purchase date.*

For more details, visit grbbank.com/RateRelief

*Borrowers must meet credit and income requirements at the time of refinance.

Don't you just love this time of the year? The promise of Spring with longer, lighter days, trees blooming, flowers poking through the ground. 🌳🌷🌞

Annual Percentage Rate (APR) is a vital tool that helps you understand the true cost of your mortgage beyond just the interest rate. It includes both the interest rate and various fees associated with the loan, giving you a clear picture of the overall cost of borrowing.

Remember, a lower APR means lower overall costs, so it's essential to pay attention to this number while navigating the homebuying process.

Contact me with any questions or to explore your mortgage options further.

As a community bank, GRB provides local people and local decisions to help you put down roots. Whether FHA, VA, USDA, or a conventional loan, our local team will help make your dreams of homeownership a reality. Learn more at https://zurl.co/7sqx or call me today and explore our range of home mortgage options!

Enjoy Leap Day it only comes around every 4 years!

Come join Rick and I on Wednesday for a Brokers Open. You don't want to miss this gorgeous new build by Kelly Homes. This Torrey Pine plan is a stunner with beautiful staging!!
Lunch will be provided.
📍 https://maps.app.goo.gl/P25RfbH6DwGtB5EUA

LTV, or Loan-To-Value Ratio, represents the percentage relationship between the requested loan amount and the appraised value of a property. For instance, if a property is appraised at $100,000 and a loan of $75,000 is sought, the LTV ratio would be 75%. It's essential to be mindful of this ratio, as government-backed mortgage programs often have specific LTV limits as part of their qualifying criteria. Please reach out if you have any questions or want to explore your home mortgage financing options further.

The School Tax Relief (STAR) program offers property tax relief to eligible New York State homeowners, saving them hundreds of dollars!

You only need to register once, and the Tax Department will issue a STAR credit payment to you each year, as long as you’re eligible.

For more information on the STAR program, visit: https://www.tax.ny.gov/star/

SONYMA is offering a limited, enhanced down payment assistance loan called Down Payment Assistance Loan (DPAL) Plus ATD Program. DPAL Plus provides forgivable loans of up to $30,000 for qualified first-time homebuyers to assist with down payment, closing costs or single premium private mortgage insurance.

Visit grbbank.com/fha-va-and-usda-loans/ for additional program details. Funds will be distributed on a first-come, first-serve basis to those who are eligible. When funds are depleted, the program will end.

So don’t wait! Contact me today to start your application!

https://www.grbbank.com/Bonnie-Gargano

EXTENDED THROUGH MARCH 31, 2024! Homebuyers, lower your first year's mortgage payment and reduce refinance costs in the future with GRB's temporary buydown mortgage program, RateRelief+.

Contact me or see the details on our website at grbbank.com/raterelief

https://www.grbbank.com/Bonnie-Gargano

HAPPY VALENTINES DAY! 💘
The key🗝 to finding a home you LOVE 💞 is great financing.
585-489-9011
[email protected]
https://www.grbbank.com/home-mortgage/our-team/bonnie-gargano/

See the GRB difference for yourself!

The mortgage process doesn't have to be long or complicated. With GRB, our 100% local team offers both superior customer service and fast approvals. In fact, most loans with GRB go from Application to Close in less than 30 days.

It pays to compare!

https://www.grbbank.com/Bonnie-Gargano

Ready to build? Work with GRB’s local team for your construction loan. We’re dedicated to providing exceptional service from foundation to finishing touches. For more program details, visit grbbank.com/specialty-loans or call me today!

Make your dreams of homeownership a reality with a strong offer. Through GRB, your pre-approval is fully underwritten with a mortgage commitment. Let me help you put in your best offer. Call me today for more details or to get started on your pre-approval!

There's more reason to celebrate this new year as GRB's lender-funded temporary buydown program, RateRelief+, has been EXTENDED through January 31, 2024!

RateRelief+ helps buyers lower their monthly payment in the first year and secure an easy, lower-cost path to a refinance should rates drop.

Contact me or see the details on our website at grbbank.com/raterelief

Wishing you a Thanksgiving filled with warmth and joy!

Happy Thanksgiving!