The Powers Team at GRB, Mortgage Originator Melissa Powers NMLS #1413349

As a community bank, GRB’s Welcome Home program helps ease the financial burden of buying a home and reflects our commitment to fostering the long-term financial well-being of the individuals and families who call our region home.

Let us help turn your homeownership dreams into reality with mortgage and banking solutions that reward smart financial decisions. With GRB’s Welcome Home program, you can borrow smarter and bank better!

To learn more about the Welcome Home relationship rewards program, visit grbbank.com/Welcome-Home-Rewards

To assist with the dream of homeownership, the University of Rochester has teamed up with the City of Rochester and GRB to offer eligible university employees up to $20,000 toward the purchase of a first home anywhere within the City of Rochester!*

To learn more about the expanded Home Ownership Incentive Program offered by the University of Rochester, visit their site at: https://www.rochester.edu/human-resources/benefits/programs-perks/home-ownership-incentive-program/

Not a University of Rochester employee? There are still many grant and discount programs available within and outside of the City of Rochester to support your goal of homeownership. Contact me today and let’s discuss all your available options!

*Some restrictions apply, visit the University of Rochester Home Ownership Incentive program website for full eligibility and program details. Program does not apply to current city homeowners whose primary residence is in the city.

Did you know?! You can use more than 1 grant at a time (and yes, we have multiple grants available). More info in this video!

Layering Mortgage Programs & Promotions Did you know you may be able to "layer" grants and down payment assistance programs?During the December episode of the 'Mortgage Update with Mike & Joe,' Mik...

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/Melissa-Powers

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 us or see additional details at grbbank.com/raterelief

From now until the end of 2023, GRB is offering FREE appraisals on all VA Loans! A completed mortgage application must be submitted by midnight on Dec. 31, 2023 to qualify.

Contact me today to take advantage of this great offer before the year ends!

https://www.grbbank.com/Melissa-Powers

The Homebuyer Dream Program (HDP) has INCREASED for 2024! If you're a first-time homebuyer (as defined by the U.S. Department of Housing and Urban Development - "HUD"), you may qualify for a grant of up to $20,000 towards the purchase of your new home.

For a list of HDP eligibility requirements, visit our website: GRBbank.com/HDP

Or read our quick overview about the 2024 Homebuyer Dream Program here: https://zurl.co/PMlj

Homeownership is no longer just a dream - contact me today to make it your reality!

https://www.grbbank.com/Melissa-Powers

Make your dream of homeownership a reality with GRB’s new lender-funded temporary buydown program, RateRelief+. 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

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

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/Melissa-Powers

Big news for FHA buyers! On a 200k purchase with 3.5% down, this reduction in MIP will save $50/month.
Mortgage jargon tidbit: MIP is basically the FHA version of conventional PMI

HUD announced a 30 basis point reduction to the Annual Mortgage Insurance Premiums it charges borrowers for FHA-insured single family mortgages. The move is aimed at helping make homeownership more accessible and affordable. Read more on our Blog at https://trst.in/fwtf6Q.

**New scam alert!** With nationwide federal student loans coming out of forbearance in September, expect lots of spam calls telling you to take action regarding these loans. The government will NOT call you - do not provide any information over the phone! Log in online or call the number printed on your statement to check your payment status. Alexandra Fox Melissa Powers Houseknecht

⭐️🏥ATTENTION FRONTLINE WORKERS👮‍♀️⭐️

You all deserve a Thank You!!

GRB is honoring our heroes May 1 through June 30, 2021 with a Closing Cost Credit.

Call/text our team today to learn more & start the mortgage conversation. 🏠

Please consider donating to help this NICU nurse and her family while she undergoes open heart surgery! Her husband, Ryan Fletcher, has been an asset to our team at GRB and they’ll need as much assistance as possible to get through this surgery and recovery while taking care of their 2 little ones. Anything helps🙏 💖

Help Amanda with Heart Surgery, organized by Dee Naman For the last few years, my daughter, Amanda has been a full-time mom and full-time night shi… Dee Naman needs your support for Help Amanda with Heart Surgery

The Powers Team at GRB, Mortgage Originator Melissa Powers NMLS #1413349 updated their info in the about section.

The Powers Team at GRB, Mortgage Originator Melissa Powers NMLS #1413349 updated their website address.