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 custome

r 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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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

Let's talk Area Median Income (AMI). AMI represents the household earning middle ground in your geographic area. It's de...
06/19/2026

Let's talk Area Median Income (AMI). AMI represents the household earning middle ground in your geographic area. It's determined by HUD (Department of Housing and Urban Development) and significantly influences who qualifies for grants and specific mortgage programs like FHA, USDA, or VA loans.

HUD publishes annual AMI numbers on its website: https://www.huduser.gov/portal/datasets/il.html. Want to know the full impact of AMI? Let's connect! Call, message, or email me today.

https://myoc.io/j15CfL78baJ

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

Enjoy the summer sun, but don't forget to complete some regular maintenance on your home to ensure it stays in good cond...
06/18/2026

Enjoy the summer sun, but don't forget to complete some regular maintenance on your home to ensure it stays in good condition inside and out!

✔ Seal deck and fence wood - Clean surfaces thoroughly and apply sealant to protect against sun damage and moisture. This helps prevent warping, cracking, and premature aging.

✔ Trim trees away from roof - Cut back branches that hang over your home. This prevents storm damage, reduces debris in gutters, and discourages pests from accessing your roof.

✔ Inspect exterior paint and siding - Look for peeling paint, loose siding, or cracks in caulking. Addressing these early prevents moisture intrusion and more expensive repairs later.

✔ Clean dryer vent - Remove lint buildup from the exterior vent and consider professional cleaning if needed. Clogged vents are a common fire hazard and reduce dryer efficiency.
https://myoc.io/j15CfL78baJ



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

It's National Homeownership Month! Investing in a home is more than just finding a place to live, it's a big step in gro...
06/16/2026

It's National Homeownership Month! Investing in a home is more than just finding a place to live, it's a big step in growing your financial future.

Each mortgage payment is a milestone toward owning a valuable asset. Unlike rent which brings zero returns, your payments work hard for you—boosting equity like a savvy savings plan 📈. Plus, watch as appreciation adds to your net worth over time.

And don't forget the tax benefits. Every dollar counts in building wealth. Ready to start your journey toward owning your dreams?

Connect with me today to learn more!
https://myoc.io/j15CfL78baJ



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

🏡 Happy National Homeownership Month! Did you know that owning a home is a major wealth-building strategy? According to ...
06/11/2026

🏡 Happy National Homeownership Month! Did you know that owning a home is a major wealth-building strategy? According to a 2023 study by the National Association of Realtors, most homeowners have earned more than $100,000 in equity over the last decade.

Are you ready to unlock the potential of homeownership? Let's discuss how I can guide you on this exciting journey! Comment below or send me a message today.
https://myoc.io/j15CfL78baJ



Mortgage Originator, NMLS #482041 | 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...
06/09/2026

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/j15CfL78baJ



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

Buying a home? Let’s clear up one of the most common misunderstandings about down payment assistance.💡Not everyone can g...
06/07/2026

Buying a home? Let’s clear up one of the most common misunderstandings about down payment assistance.💡

Not everyone can give you gift money toward your home purchase. Lenders only allow gift funds from specific people — typically close family members, domestic partners, or someone with a clearly documented long‑term relationship.

This protects buyers by ensuring the money is a true gift, not a disguised loan that could affect their ability to repay. Lenders will need to verify who the funds came from and may require a gift letter to keep everything compliant and stress‑free.

Need help navigating gift rules or other homebuying questions? Send me a message. I’m here to make the process simple. 📩

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...
06/04/2026

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

Refinancing can be a smart financial move. But in New York, it’s not always worth the cost. With higher state and county...
06/04/2026

Refinancing can be a smart financial move. But in New York, it’s not always worth the cost. With higher state and county fees, you need a strong financial reason to refinance. That’s why evaluating your local situation matters far more than following national trends.

Not sure if refinancing makes sense? I’m happy to run the numbers for you. Give me a call or send me a DM.

https://myoc.io/j15CfL78baJ

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

&WesternNY

When you apply for a mortgage, you'll need to understand both the Interest Rate and Annual Percentage Rate (APR). Think ...
06/02/2026

When you apply for a mortgage, you'll need to understand both the Interest Rate and Annual Percentage Rate (APR).

Think of the Interest Rate as the price for borrowing the loan itself, while the APR gives you the full picture, including other fees like origination costs or points. APR essentially provides a more comprehensive look at what you're genuinely spending beyond the interest.

Choosing the right mortgage should be as stress-free as possible. If you are looking for clarity or personalized guidance to make your home-buying process simpler, send me a message and let's chat!

https://myoc.io/j15CfL78baJ

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

💥 $12,000 toward a home purchase? Yes, really.Affordability just got a boost with the new MAP® HomeAssist Grant through ...
06/02/2026

💥 $12,000 toward a home purchase? Yes, really.

Affordability just got a boost with the new MAP® HomeAssist Grant through GRB. HomeAssist provides qualified homebuyers with a $12,000 grant to help cover down payment and closing costs—making homeownership more accessible than ever.

This program is for income-qualified buyers (up to 80% of Area Median Income) and you do NOT have to be a first-time homebuyer!

GRB is proud to be one of the few lenders in Central and Western New York offering this FHLBNY program.

👉 First‑come, first‑served, so don't wait! Contact me for program details and to see whether you qualify for the HomeAssist program.

https://myoc.io/j15CfL78baJ

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

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Rochester, NY
14618

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+15853032268

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