Bonnie Gargano, Mtg. Originator, NMLS# 481369

Bonnie Gargano, Mtg. Originator, NMLS# 481369 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

Happy Mother's Day to all the amazing moms out there who transform bricks and mortar into love and laughter! 🏡💕It's not ...
05/10/2026

Happy Mother's Day to all the amazing moms out there who transform bricks and mortar into love and laughter! 🏡💕

It's not just about providing a roof over our heads. It's about the joy, warmth, and memories you create inside.

How are you celebrating with Mom today? I'd love to hear your stories in the comments below!



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

¡Feliz Cinco de Mayo! 🎉Today is all about amazing food, great company, and celebrating a vibrant culture and heritage wi...
05/05/2026

¡Feliz Cinco de Mayo! 🎉

Today is all about amazing food, great company, and celebrating a vibrant culture and heritage with those who matter most. Togetherness makes everything better.

What's one Cinco de Mayo tradition you look forward to every year? Drop a comment and let's celebrate together!



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

GRB’s RateRelief program gives homebuyers confidence in a shifting rate environment. Eligible borrowers who close with G...
04/28/2026

GRB’s RateRelief program gives homebuyers confidence in a shifting rate environment. Eligible borrowers who close with GRB are eligible to have their fees reduced when they apply for a refinance before December 31, 2027.

RateRelief waives the processing, underwriting, and appraisal fees, making refinancing simpler and more affordable. Buyers can move forward now knowing they have a clear path to adjust their rate in the future—bringing long‑term peace of mind backed by a trusted community bank.

Reach out to me about this great program or visit our website at www.grbbank.com/mortgage-program/raterelief.
https://myoc.io/C8GbASK7ZK



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Spring is the perfect time for homeowners to give their homes a little TLC. 🏡 Here are three essential maintenance items...
04/26/2026

Spring is the perfect time for homeowners to give their homes a little TLC. 🏡 Here are three essential maintenance items to keep your home in good shape and prevent costly damage:

✔ Check the Gutters: Inspect gutters for any winter damage. Clear out leaves and debris to ensure proper drainage. This helps prevent water damage and keeps your foundation safe.

✔ Inspect the Roof: Look for shingles that might need repair. Don't forget to check inside for roof-related issues. Skylights that exhibit condensation, mold, or fogging may need attention. Staying on top of roofing issues can save you lots down the road.

✔ Service the HVAC System: Ensure your air conditioning is ready to keep you cool all summer. Schedule a routine cleaning, change the filter, and clean debris around the outdoor A/C unit to improve efficiency and extend its life.

Thinking about upgrading your home's value this spring? Let's talk mortgage options that fit your plans! Comment or message me to start your journey.
https://myoc.io/C8GbASK7ZK



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

This is one of the most common myths we hear. While putting 20% down can help you avoid private mortgage insurance (PMI)...
04/23/2026

This is one of the most common myths we hear. While putting 20% down can help you avoid private mortgage insurance (PMI), it’s far from a requirement.

There are several loan options designed to help buyers get into a home sooner—with much lower down payment requirements.

📩 Have questions about your options? Send me a message or let’s connect!

Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Did you know it's Financial Literacy Month? 📈 Let's chat about one critical aspect of financial wellness: sticking to a ...
04/21/2026

Did you know it's Financial Literacy Month? 📈 Let's chat about one critical aspect of financial wellness: sticking to a budget, especially when buying your dream home.

Maintaining a budget ensures that your mortgage payments align with your financial goals without stretching your limits. Understanding your finances is the key to making confident decisions in your homebuying journey.

Reach out today, and let's build your path to homeownership together.
https://myoc.io/C8GbASK7ZK



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Celebrating Community Banking Month with gratitude and a big thank you to our amazing realtor partners and associates! Y...
04/19/2026

Celebrating Community Banking Month with gratitude and a big thank you to our amazing realtor partners and associates! Your dedication and collaboration have helped make Western and Central NY home sweet home for so many individuals and families.

Together, we're turning dreams into addresses. Whether customers are looking to buy, sell, or refinance, I appreciate how we work together to make their dreams a reality.

Thank you for everything you do.



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

It's Financial Literacy Month 🎉 and what better time to discuss saving for that all-important mortgage down payment!Curi...
04/16/2026

It's Financial Literacy Month 🎉 and what better time to discuss saving for that all-important mortgage down payment!

Curious about how much you'll need? Let's break it down. Depending on the loan type, you might only need 3-5% of the home price. But over time, aiming higher can reduce your overall costs.

Not sure what figure works best for you? That's where I come in! I can help simplify the numbers and strategize your journey to homeownership.

Email or message me so we can work together to make your dream home a reality sooner than you think.



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Tax Day might give some the shivers, but if you're a homeowner, you've got a few tricks up your sleeve!Mortgage interest...
04/15/2026

Tax Day might give some the shivers, but if you're a homeowner, you've got a few tricks up your sleeve!

Mortgage interest and property tax deductions can make your tax season a little brighter.

Still not a homeowner?

Let me help you find a home and make next year's tax filing day a bit happier!

NOTE: The above is not tax advice. Please consult a tax professional for your specific situation.
https://myoc.io/C8GbASK7ZK

Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🌟 Proudly Serving Western & Central NY this Community Banking Month! 🌟Thinking of putting down roots in your dream home?...
04/14/2026

🌟 Proudly Serving Western & Central NY this Community Banking Month! 🌟

Thinking of putting down roots in your dream home? As a community bank, the team at Genesee Regional Bank is here to make it a reality. We’re dedicated to supporting our local communities with personalized mortgage options tailored just for you.

Ready to unlock the door to your new home? Reach out for a chat about your homeownership journey! 🏡
https://myoc.io/C8GbASK7ZK



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Easter is here to remind us of renewal and hope—both in the world around us and in our own lives. Whether you're enjoyin...
04/05/2026

Easter is here to remind us of renewal and hope—both in the world around us and in our own lives.

Whether you're enjoying a classic Easter egg hunt or a cozy meal with loved ones, cherish these moments that remind us of what's truly important.

Wishing everyone a joyful and peaceful Easter! How are you celebrating this special day?



Mortgage Originator, NMLS #481369 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Address

Rochester, NY
14618

Telephone

+15854899011

Website

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