Tina L Sheradin, Mtg. Originator, Nmls#482041

Tina L Sheradin, Mtg. Originator, Nmls#482041 I love what I do, and I love helping people find their next home. I truly become a partner with you WHY CHOOSE GRB? We welcome all questions and commentary.

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


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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.

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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

September is National Su***de Prevention Month, and it is a crucial time to remind everyone that you are never alone. If...
09/24/2026

September is National Su***de Prevention Month, and it is a crucial time to remind everyone that you are never alone. If you or someone you know is struggling, help is always available. 💚

Mental health matters every single day, and reaching out for support is a sign of strength. Please save these free, confidential resources or share them with someone who might need them.

For immediate help, call or text 988 for the Su***de and Crisis Lifeline. You can also text HOME to 741741 to connect with the Crisis Text Line.

For addiction or gambling support in New York, call 1-877-8-HOPENY or text HOPENY. For LGBTQ+ crisis support, call The Trevor Project at 1-866-488-7386.

For confidential domestic violence help, call 1-800-942-6906. Please reach out today, because your life matters and support is always available.

***dePreventionMonth

Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Cash guarantees offer a safety net. Cash+Secured builds a stronger foundation.Today's buyers need every advantage in a c...
09/22/2026

Cash guarantees offer a safety net. Cash+Secured builds a stronger foundation.

Today's buyers need every advantage in a competitive market. Cash+Secured takes a proactive approach by reviewing and underwriting buyers upfront, incorporating an appraisal gap solution, and supporting the purchase with a GRB line of credit.

The result? Buyers can present stronger offers, and sellers gain added confidence knowing the transaction is built on a thoroughly reviewed financial foundation.

Confidence for buyers. Greater certainty for sellers. That's Cash+Secured. ✅

I can't wait to share the details. Call, email, or DM me.
https://myoc.io/j15CfL78baJ

+Secured

Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

To assist with the dream of homeownership, the University of Rochester has teamed up with the City of Rochester and GRB ...
09/17/2026

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.
https://myoc.io/j15CfL78baJ



Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

As the leaves begin to change colors, it's time to give your home a once over to make sure you prepare for the cold weat...
09/15/2026

As the leaves begin to change colors, it's time to give your home a once over to make sure you prepare for the cold weather.

✔ Clean gutters after leaves fall - Even if you cleaned them in spring, falling leaves can block drainage. Clear gutters reduce the risk of ice dams forming in winter.

✔ Drain and winterize outdoor faucets - Disconnect hoses and shut off exterior water valves if possible. Let faucets drain fully to prevent pipes from freezing and bursting.

✔ Inspect chimney and fireplace - Schedule a professional cleaning if you use your fireplace regularly. Creosote buildup can become a fire hazard over time.

✔ Check weather stripping on doors/windows - Replace cracked or worn seals to prevent drafts. This improves comfort and lowers heating costs during colder months.

✔ Schedule furnace service - Have a technician inspect and tune your furnace before peak winter demand. It’s easier (and often cheaper) to address issues before the first cold snap.
https://myoc.io/j15CfL78baJ



Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Trying to understand LTV (Loan-to-Value) and what it means to you as you begin the homebuying process? It's a key metric...
09/10/2026

Trying to understand LTV (Loan-to-Value) and what it means to you as you begin the homebuying process? It's a key metric lenders use during the qualifying process. Essentially, it's the ratio of the loan amount to the value of the home.

For example, if your dream home is valued at $200,000 and you have a $40,000 down payment, your loan would be $160,000, resulting in an LTV of 80%. A higher LTV can mean less favorable loan terms, whereas a lower LTV can open doors to better interest rates and options.

Knowing your LTV helps lenders evaluate risk and determine loan eligibility. Need a bit more clarity on how LTV impacts your mortgage options and opportunities? I'm here to answer all your questions and help guide you through the process with ease. 🏡
https://myoc.io/j15CfL78baJ



Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

How does GRB's next-level Cash+Secured loan program work?✅ Upfront underwriting✅ Appraisal gap solution in place✅ GRB li...
09/08/2026

How does GRB's next-level Cash+Secured loan program work?

✅ Upfront underwriting
✅ Appraisal gap solution in place
✅ GRB line of credit secured for the purchase

Together, these features help buyers make stronger offers while providing sellers with greater confidence in the transaction.

Reach out to me by text, email, DM, or phone so I can help you qualify to make a Cash+Secured offer.
https://myoc.io/j15CfL78baJ

+Secured

Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

September is National Mortgage Professional Month. Believe it or not, my favorite part of this job has nothing to do wit...
09/03/2026

September is National Mortgage Professional Month. Believe it or not, my favorite part of this job has nothing to do with paperwork and forms 😄. But what I do love is that every homebuyer comes with a unique background, a distinct set of goals, and a personal financial story. That means there is no such thing as a one-size-fits-all mortgage solution.

I view my role as a creative problem solver who builds custom strategies for real people. Navigating complex scenarios and finding the right path for a buyer's specific situation is what makes this work so rewarding. 🏠 The path to buying a home should be tailored to fit your life, not the other way around. If you want a personalized strategy to buy your next home, let's connect today.
https://myoc.io/j15CfL78baJ



Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

The School Tax Relief (STAR) program offers property tax relief to eligible New York State homeowners, saving them hundr...
09/01/2026

The School Tax Relief (STAR) program offers property tax relief to eligible New York State homeowners, saving them hundreds of dollars!

You only need to register once, and the Tax Department will issue a STAR credit payment to you each year, as long as you’re eligible.

For more information on the STAR program, visit: https://www.tax.ny.gov/star/



Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

With GRB's Cash+Mortgage program, you can make a good-as-cash offer and improve your chances of getting the home of your...
08/27/2026

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!
https://myoc.io/j15CfL78baJ

Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Back-to-school season reminds us that every success starts with a plan. From saving for the future to preparing for a ho...
08/23/2026

Back-to-school season reminds us that every success starts with a plan. From saving for the future to preparing for a home purchase, now is a great time to get your financial house in order. If home financing is part of your goals, I'd be happy to help you get started. 🍎🏡



Mortgage Originator, NMLS #482041 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Address

Rochester, NY
14618

Telephone

+15853032268

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