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  • Financial Education, Home Mortgage

How to Improve Your DSCR Ratio Before Applying for a Loan

If you’re a real estate investor—especially one who’s self-employed or working through an LLC—getting approved for a traditional mortgage can feel like trying to fit...
  • Financial Education, Home Mortgage

What Is a DSCR Loan? A Complete Guide for Real Estate Investors

If you’re a real estate investor—especially one who’s self-employed or working through an LLC—getting approved for a traditional mortgage can feel like trying to fit...
  • Home Mortgage, News

New Loan Limits for 2026

The Federal Housing Finance Agency (FHFA) and Federal Housing Administration (FHA) have officially announced their updated loan limits for 2025....
  • Home Mortgage

Advice for a Competitive Homebuying Market

With the Rochester real estate market grabbing national headlines as incredibly competitive, buyers need to be more vigilant than ever about making sure they have...
  • Financial Education, Home Mortgage

A Homebuyer’s Guide For Using Gift Funds

When you're ready to buy a home, one of the biggest hurdles can be coming up with enough money for a down payment. While saving...
  • GRB Employees, Home Mortgage

GRB’s Mike Pulver Installed as President of the NY Mortgage Bankers Association Board of Directors

Congratulations to Genesee Regional Bank (GRB) EVP, Director of Business Development Mike Pulver on being installed as the new President of the Board of Directors...
  • Home Mortgage

GRB Participating in Updated University of Rochester Home Ownership Incentive Program

Effective Aug. 1, 2024, the University of Rochester is expanding its popular Home Ownership Incentive Program to provide eligible buyers with up to $20,000 toward...
  • Home Mortgage

Prequalification or Preapproval?

The terms "prequalification" and "preapproval" are often used in the context of obtaining a mortgage, but they have distinct meanings and implications for your homebuying...
  • Financial Education, Home Mortgage

Getting a Second Opinion on Your Loan Offer

Compare Loan Options & Buy With Confidence Buying a home is one of the most significant financial decisions you’ll ever make, and securing the right...

  • Home Mortgage

FHA Reduces Mortgage Insurance Premiums

Today, the Department of Housing and Urban Development’s (HUD) announced a 30 basis point reduction to the Annual Mortgage Insurance Premiums (annual MIP) it charges...

  • Home Mortgage

August Sees Changes to Rochester Homebuying Market

The last 30 days have represented a time of change in the Rochester housing market. Coming off two prior years characterized by low inventory, multiple...
  • Home Mortgage

GRB Executive Provides Update on Rochester Mortgage Market

GRB's Senior Vice President, Residential Mortgage Manager Mike Pulver weighed in on a recent Rochester Business Journal article regarding rising interest rates and the state...

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