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Home Mortgage Loans

Local Solutions for Western and Central NY

Whether buying or refinancing, GRB’s local team has the right solution.

At GRB, we make the process of obtaining a home mortgage loan or refinance as easy as possible. Our team of experienced home mortgage lenders in Western and Central New York will meet with you to discuss your financing options. There are many lending options so we work with you to determine the mortgage loan that’s right for your situation. And when you’re ready to buy, you’ll have the pre-qualification you’ll need to put in a strong offer. You’ll get prompt approvals, too, since lending decisions are made locally.

Read more about our loan products, mortgage team members and use our online calculators to start the process to home ownership!

Online Application and Home Mortgage Loan Calculator

Online Application and Home Mortgage Loan Calculator

We offer conference calls or video chats with our GRB mortgage team, as well as an easy online home mortgage application.

The GRB Mortgage Express mobile app makes it easy and convenient to apply and manage your loan. You can use the mortgage calculator to check payment information in real time. Use the app to upload documents using your mobile device’s camera, and sign off on “paperwork” using e-signature.

GRB is a nationally registered mortgage bank, so you can “keep it local” and use our online application and mobile app even when purchasing a second home out of state.

Prequalification or Preapproval?

You’ve heard the news, the real estate market in New York state is hot. Prospective buyers often find themselves making numerous offers until one is actually accepted. To raise your chances of getting an accepted offer, consider securing a mortgage preapproval instead of a prequalification.

Prequalification – A prequalification is an initial step in the mortgage process where a lender estimates how much you may be able to borrow based on information you provide about your income, assets, debts, and credit score. Typically, prequalification involves a basic assessment of your financial situation, often done informally and without a thorough review of your credit report. Prequalification gives you a rough idea of how much you might be able to borrow, but it’s not a guarantee. The actual loan amount and terms may vary after a more thorough review of your finances and credit history.

Preapproval – A preapproval is a more formal process where a lender thoroughly evaluates your financial background, including income, assets, debts, and credit history, to determine how much they’re willing to lend you. Getting a preapproval involves submitting documentation such as pay stubs, W-2 forms, bank statements, and consent for the lender to pull your credit report. The lender then verifies the information provided and assesses your creditworthiness. A preapproval is a stronger indication of your borrowing power compared to prequalification. While it’s not a guarantee of a loan, it carries more weight with sellers because it involves a more thorough review of your finances by the lender.

      In summary, prequalification is a preliminary assessment based on information you provide, while preapproval involves a more rigorous evaluation of your finances, including documentation and credit history. Preapproval is generally considered more reliable and helps create a stronger offer in real estate transactions.

      Contact our Mortgage team to get started!

      Building Stronger Neighborhoods – Serving Western and Central New York

      Video thumbnail for GRB's Residential Mortgage services

      Purchasing a home is an important decision. Working with a local mortgage team can provide a number of benefits.

      GRB has many home mortgage lending options including: first-time homebuyers; down-payment assistance; grants; conventional loans; FHA, VA and USDA government loans; and a number of special programs designed to turn your home owning dreams into a reality.

      Learn more about our many loan options

      Check Out Our Other Services

      GRB offers a portfolio financial services to help your business grow, support your everyday banking needs, and help you purchase or refinance your home.

      Personal Banking

      At GRB, personal banking is truly personal. We offer a range of banking products to support all of your banking needs, and then match them up with an individual service experience designed to help you build your financial future.

      Commercial Banking

      At GRB, we understand that taking your business to the next level requires an incredible amount of time, trust, and the right partnerships.  Our commercial banking team offers all of that and so much more. With quick, locally made approvals, we’ll put you on the fast track to meet your business goals.

      Contact us Today

      Call 585.427.9200 or use the form below.

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      Residential Mortgage genesee regional bank grb
      Our focus is on helping buyers find great loan products and competitive rates – and delivering a service experience that goes above and beyond. That’s what it means to be a local company and serve the people in our community.
      Mike Pulver, SVP, Residential Mortgage Manager, NMLS# 410020