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


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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

It's game time against the Steelers!   Mortgage Originator, NMLS #481369  |  Genesee Regional Bank, Equal Housing Lender...
08/27/2026

It's game time against the Steelers!



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

Happy Women's Equality Day! Did you know that until 1974, women needed a male co-signer to get approved for a mortgage? ...
08/26/2026

Happy Women's Equality Day! Did you know that until 1974, women needed a male co-signer to get approved for a mortgage? A tip of the hat to all the trailblazing women who changed the game for future generations.

Let's continue to break barriers and build our financial futures with strength and confidence. If homeownership is part of your financial future, please reach out!



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

It's game time against the Browns!   Mortgage Originator, NMLS #481369  |  Genesee Regional Bank, Equal Housing Lender, ...
08/22/2026

It's game time against the Browns!



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

On National Nonprofit Day, I'm grateful for the organizations that dedicate their time, talent, and resources to strengt...
08/17/2026

On National Nonprofit Day, I'm grateful for the organizations that dedicate their time, talent, and resources to strengthening our communities. Their work often happens behind the scenes, but the impact is felt every day. Thank you to the nonprofits, volunteers, and supporters who help make our communities better places to live, work, and thrive. 💙



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

It's game time against the Panthers!   Mortgage Originator, NMLS #481369  |  Genesee Regional Bank, Equal Housing Lender...
08/15/2026

It's game time against the Panthers!



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

Unlock meaningful savings with GRB’s Welcome Home Rewards program. Homebuyers can earn a 0.50% credit on their mortgage ...
07/23/2026

Unlock meaningful savings with GRB’s Welcome Home Rewards program. Homebuyers can earn a 0.50% credit on their mortgage by opening a GRB Reward Checking account, or increase it to 1.00% by adding a qualifying $1,000 direct deposit before submitting their mortgage application.

After closing, keep earning! Borrowers can earn up to $250 through GRB’s Mortgage Rewards program when monthly direct deposits total at least $250. Plus, Reward Checking delivers premium interest rates when you complete 12 everyday transactions each month.

Build financial momentum long after closing with GRB. Contact me today for more information or go to our website at https://www.grbbank.com/mortgage-program/welcome-home-rewards.
https://myoc.io/C8GbASK7ZK



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

Ready to dive into the world of home loans? Let's break down one crucial piece: PITI—Principal, Interest, Taxes, and Ins...
07/20/2026

Ready to dive into the world of home loans? Let's break down one crucial piece: PITI—Principal, Interest, Taxes, and Insurance. Sounds complicated, but understanding it is key when planning your monthly mortgage budget.

Why is PITI important for you? Because it gives a comprehensive view of what your homeownership expenses will be like, and knowing these numbers ensures you won't have any budget surprises.

Curious to learn how PITI might look for your dream home? Reach out to me. I'm here to make sense of these acronyms, one detail at a time!
https://myoc.io/C8GbASK7ZK



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

Let us help you put together your best offer and buy the home of your dreams. We work together to use market expertise a...
07/16/2026

Let us help you put together your best offer and buy the home of your dreams. We work together to use market expertise and the Cash+Mortgage pre-approval program to help self-employed applicants make a stronger purchase offer.

Let's connect to get started on your homebuying journey!

For Cash+Mortgage details, visit grbbank.com/good-as-cash
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)...
07/13/2026

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

Supporting local businesses is a win-win for everyone in the community. By shopping local, you contribute to the growth ...
07/09/2026

Supporting local businesses is a win-win for everyone in the community. By shopping local, you contribute to the growth and sustainability of our region. Plus, you're likely to find unique products and unmatched customer service. 🌟

Independent businesses are the backbone of communities, recirculating up to 46.9% of their revenue back into the local economy compared to just 13.6% from major chain stores. If every U.S. family spent an additional $10 a month at local businesses, it would inject over $9.3 billion into local economies.

Have you visited a local business recently that really delivered? Share your favorites, and let's support our local gems together during Independent Retailer Month!



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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