Rob Taddeo, Mortgage Loan Orginator Nmls#1532211

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.

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!

GRB offers a number of Debt Service Coverage Ratio (DSCR) loan options so real estate investors can use a property's cash flow history as the basis for qualifying for the loan.

Select from fixed, adjustable, and interest-only programs. The property can be held in an Revocable Trust or LLC.

Call me for more information and program details!

https://www.grbbank.com/Rob-Taddeo

GRB is proud to honor critical service providers with our Community Partners Program, providing a $600 closing credit to qualified homebuyers who give their best to our community every day.

EMTs, firefighters, medical doctors, nurses, police officers, K-12 teachers, and active and retired military are eligible to receive the closing credit when they use GRB for their residential home mortgage. Thank you for the great work you do every day.

For more program details, visit: grbbank.com/community-partners

Let us help you put in your best offer. Our Cash+Mortgage pre-approval program helps you make a stronger purchase offer and is available for self-employed applicants. For more program details, visit https://zurl.co/dWVJ or call me to see how you can be approved for a Cash+Mortgage!

Unlock your dream home with a USDA mortgage from GRB!

Affordable rates, flexible terms, and rural-friendly eligibility make it a great choice for homeownership. Contact me today for more program details.

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.

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

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/Rob-Taddeo

Did you know... NeighborWorks makes down payment and closing cost loans of up to $40,000 available to qualified buyers?

For more program details, visit https://trst.in/Ix0yD8

Or contact me today for more information!

https://www.grbbank.com/Rob-Taddeo

Get excited about lower payments 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

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!

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!

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/Rob-Taddeo

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/Rob-Taddeo