John Milano, AVP Mortgage Originator, Nmls#35031

John Milano, AVP Mortgage Originator, Nmls#35031 John has helped families build wealth one mortgage at a time for over 30 years! Achieve the dream. 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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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

GRB’s RateRelief program gives homebuyers confidence in a shifting rate environment. Eligible borrowers who close with G...
08/08/2026

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/johnmilano



AVP, Senior Mortgage Originator, NMLS #35031 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🏡 RCSD Employees — Your path to homeownership could come with up to $9,000 in grant funds!GRB is proud to partner with t...
08/08/2026

🏡 RCSD Employees — Your path to homeownership could come with up to $9,000 in grant funds!

GRB is proud to partner with the Rochester City School District and the City of Rochester to help eligible RCSD employees purchase their first home.*

Here’s how the grant breaks down:
✔️ $3,000 from RCSD
✔️ $3,000 from the City of Rochester
✔️ $3,000 from GRB

Before making an offer on a home, buyers must confirm both property and program eligibility through the RCSD Employee Benefits office and verify fund availability for the year. Once your RCSD application is complete, you’ll also complete a City of Rochester grant application — then GRB can help guide you through your mortgage options and additional grant funds available.

If you’ve been thinking about buying your first home, this could be an amazing opportunity to make homeownership more affordable. Reach out to learn more! 🏠✨

*Eligibility requirements apply.
https://myoc.io/johnmilano



AVP, Senior Mortgage Originator, NMLS #35031 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

https://myoc.io/johnmilanoAVP, Senior Mortgage Originator, NMLS #35031  |  Genesee Regional Bank, Equal Housing Lender, ...
08/06/2026

https://myoc.io/johnmilano

AVP, Senior Mortgage Originator, NMLS #35031 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🚨 SONYMA DPAL Plus ATD 2026 Program is here! 🚨I’m excited to share this incredible opportunity for homebuyers in New Yor...
08/04/2026

🚨 SONYMA DPAL Plus ATD 2026 Program is here! 🚨

I’m excited to share this incredible opportunity for homebuyers in New York. The SONYMA Down Payment Assistance Loan (DPAL) can help make homeownership more accessible by covering a significant portion of your upfront costs. A quick FYI on SONYMA DPAL:

➡️ Limited funds are available — this program is expected to go FAST.
➡️ Maximum household income of 60% of the Area Median Income (AMI).
➡️ Perfect for qualified first-time buyers looking to bridge the gap to home ownership.
➡️ Low-interest financing + down payment assistance = a powerful combination.

If owning a home has been on your radar, now is the time to act. Let’s get you pre-qualified and ready before the funds are gone.

Contact me today to get started — don’t miss out!
https://myoc.io/johnmilano

AVP, Senior Mortgage Originator, NMLS #35031 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

focusedhttps://myoc.io/johnmilanoAVP, Senior Mortgage Originator, NMLS #35031  |  Genesee Regional Bank, Equal Housing L...
07/29/2026

focused

https://myoc.io/johnmilano

AVP, Senior Mortgage Originator, NMLS #35031 | 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/johnmilano



AVP, Senior Mortgage Originator, NMLS #35031 | 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/johnmilano



AVP, Senior Mortgage Originator, NMLS #35031 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

07/17/2026
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/johnmilano

AVP, Senior Mortgage Originator, NMLS #35031 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Address

Rochester, NY
14618

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