With years of experience in the financial services industry and a background in personal finance, Joe brings an array of qualities to the mortgage process that help his clients easily understand the complex home buying and mortgage process. Joe was born and raised in the Rochester area and received his MBA with a concentration in management from St. This gives him an insider’s appreciation for the Rochester area and its residents. In 2010, he founded a professional networking group, Rochester Business Now (RBN). With this organization, Joe is able to help his clients far beyond the scope of mortgage. Through RBN, he has a wealth of resources he can turn to for ancillary services. Additionally, Joe donates his time and expertise as a member of the Salvation Army Finance Committee. As Vice President of the Italian American Business Network and a delegate for the Italian Civic League, Joe has put an emphasis on the involvement of young professionals in the Rochester area. At GRB, Joe has direct access to resources, support, a high level of technology, and multiple financing options for his customers. He stands ready to assist you or anyone you refer to him. Joe’s greatest joy is his ability to help individuals and families reach their financial goals. GRB HISTORY: In 1996, two successful Rochester businessmen, E. Philip Saunders and Dan Gullace, purchased an established local bank. They renamed it Genesee Regional Bank with the vision of reestablishing a community bank presence here and helping the growth of the Rochester economy. Today, GRB offers a full range of personal and commercial banking products and mortgage services. The GRB TEAM: Our experienced Mortgage Originators provide GRB’s renowned personal service, competitive rates, and quick lending decisions. Our dedicated staff of Mortgage Processors and Underwriters has decades of experience and is located right here in Rochester. WHY CHOOSE GRB? GRB is a locally owned and managed community bank. With local decision making, you benefit from quick turnaround times. And, by banking locally, you help strengthen the Rochester economy. We believe that Rochester homebuyers deserve access to the most beneficial interest rates and mortgage products available. We provide the best for our clients in terms of mortgage rates, closing costs and customer service. TYPES OF MORTGAGES: GRB rapidly responds to new opportunities in today’s dynamic mortgage market to find the right mortgage product for your needs. These include:
• Conventional
• Fixed rate
• Adjustable rate
• FHA
• VA
• USDA
• Jumbos
• Home equity loans
• Construction draw loans
GRB provides financing for:
• Single family homes
• Townhouses
• Condominiums
• Two to four family residences
• Second homes
• Investment properties
• Commercial properties
• Refinancing
Facebook Participation Guidelines:
GRB is on Facebook to deliver news, events, product information, employee announcements, community news and more. We welcome all questions and commentary. We do expect that participants post commentary that is both relevant and respectful. Please help us make your participation in our Facebook community a safe, positive and inviting experience for all of our visitors by observing our participation guidelines:
1. NEVER DISCLOSE PERSONAL INFORMATION: We all have a responsibility to protect confidential financial information. Never share your personal information or details about your accounts. We take your privacy and security seriously, and will remove any post that contains personal or private information.
2. BE RESPECTFUL AT ALL TIMES: While we encourage your open and honest feedback, we do not tolerate spam, repetitive posting, profanity or any other comments that are unlawful, abusive, defamatory, or otherwise deemed offensive, or off-topic. We actively monitor this page and all unsuitable posts will be removed. Posts containing links to third party sites will be removed at our discretion.
3. CONSIDER THE PRIVACY OF OTHERS: Our GRB colleagues work hard every day and deserve your kudos. However, in the event they don’t live up to your standards, we ask that you respect their privacy by not posting any personally identifiable information about them.
4. REMEMBER - THIS IS A PUBLIC FORUM: This page for GRB is a public page. As such, your contributions to this community are also public. Please take this into consideration before posting. Disclosures
IMPORTANT: Never disclose personal financial information on Facebook. GRB will never ask for your account numbers, passwords, Social Security number, or other private information through Facebook. GRB sponsors this page but is not affiliated with Facebook. We have no control over how third parties use the information you share on Facebook. We strongly encourage you to read and be familiar with Facebook’s Privacy Policy at http://www.facebook.com/policy.php and Facebook’s Privacy Guide at http://www.facebook.com/privacy/explanation.php. GRB is not responsible for, and does not endorse, third party sites or their content. Equal Housing Lender ~ Member FDIC ~ NMLS #417491
