The Powers Team at GRB, Mortgage Originator Melissa Powers NMLS #1413349

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The Powers Team at GRB, Mortgage Originator Melissa Powers NMLS #1413349 The Powers Team at GRB, Melissa Powers & Stephanie DeFazio NMLS #1484271 GRB is a locally owned and managed community bank.

The Powers Team at GRB is a one-of-a-kind team structure with two experienced Loan Officers at your service, Melissa Powers and Stephanie DeFazio. As a working mother with three little ones, Melissa realized the need to add another woman to her village who could help her continue to provide round-the-clock coverage to her customers and referral partners. With years of processing experience under her belt, Stephanie was the natural perfect fit. Her incredible work ethic and exceptional customer service skills made Steph the perfect person to take on the role of Loan Officer within The Powers Team, and the pair functions as seamlessly as w**e and cheese. [email protected]/bookings/" rel="ugc" target="_blank">https://outlook.office365.com/owa/calendar/[email protected]/bookings/

[email protected]" rel="ugc" target="_blank">https://mortgageexpress.grbbank.com/borrower/signup/[email protected]

Melissa Powers NMLS #1413349
Stephanie DeFazio NMLS #1484271

WHY CHOOSE GRB? 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

Nevermore, Baltimore. Go Bills!   Mortgage Originator, NMLS #1413349  |  Genesee Regional Bank, Equal Housing Lender, Me...
11/01/2026

Nevermore, Baltimore. Go Bills!



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

We are West Coast bound to take out the Rams. Go Buffalo!   Mortgage Originator, NMLS #1413349  |  Genesee Regional Bank...
10/12/2026

We are West Coast bound to take out the Rams. Go Buffalo!



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Hello fall! As the leaves start to change, there is nothing quite like the feeling of coming home to your own cozy space...
10/08/2026

Hello fall! As the leaves start to change, there is nothing quite like the feeling of coming home to your own cozy space. 🍂

Autumn is a wonderful season to reflect on your personal goals, especially if owning a home is on your mind. The fall market often brings unique opportunities for buyers who are ready to make a move.

If you want to settle into a new home before the holidays arrive, I am here to help. Send me a message today to discuss your options. 🏠
https://myoc.io/powersteam



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🥑 Avocado green had a good run. So did carpeted bathrooms.October is National Kitchen & Bath Month, making it the perfec...
10/06/2026

🥑 Avocado green had a good run. So did carpeted bathrooms.

October is National Kitchen & Bath Month, making it the perfect time to take a fresh look at two of the hardest-working rooms in your home.

And an update isn't just about saying goodbye to questionable design decisions. Kitchen upgrades and bathroom renovations are among the projects Realtors report seeing increased buyer demand for.

So, whether you're shopping for a home with a kitchen you love or wondering if a HELOC could help turn your current kitchen or bath into one you love a little more, let's talk.

Because some home trends deserve a comeback. Avocado appliances probably aren't one of them. 😉
https://myoc.io/powersteam



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🍎 Great teachers help build strong communities. And today, we’re celebrating all they do.This World Teachers’ Day, we’re...
10/05/2026

🍎 Great teachers help build strong communities. And today, we’re celebrating all they do.

This World Teachers’ Day, we’re proud to recognize the educators who inspire, encourage and make a difference every day. At GRB, our appreciation goes beyond saying thank you. Through our Community Partners program, teachers may be eligible for special mortgage discounts designed to make homeownership a little more affordable.

Use our Mortgage Program sorter to learn more about Community Partners and all our options: https://www.grbbank.com/mortgages/programs.

If buying a home is on your lesson plan, let’s talk about how GRB can help.
https://myoc.io/powersteam



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Take down the Pats! Let's go, Buffalo!   Mortgage Originator, NMLS #1413349  |  Genesee Regional Bank, Equal Housing Len...
10/04/2026

Take down the Pats! Let's go, Buffalo!



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

When you apply for a mortgage, you'll need to understand both the Interest Rate and Annual Percentage Rate (APR). Think ...
09/30/2026

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/powersteam



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🏡 Why do some home purchases fail to close?Even after an offer is accepted, financing challenges can arise. Changes in u...
09/28/2026

🏡 Why do some home purchases fail to close?

Even after an offer is accepted, financing challenges can arise. Changes in underwriting, appraisal concerns, and financing contingencies can create unexpected obstacles that put a transaction at risk.

Cash+Secured helps address those concerns upfront with buyer underwriting completed before the offer is submitted, an appraisal gap solution already in place, and a GRB line of credit secured for the purchase.

The result? A stronger offer and greater confidence from contract to closing.

Level Up with GRB.

Reach out to me by text, email, DM, or phone to get started with a Cash+Secured offer.
https://myoc.io/powersteam

+Secured

Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

We are Buffalo! Go Bills!   Mortgage Originator, NMLS #1413349  |  Genesee Regional Bank, Equal Housing Lender, Member F...
09/27/2026

We are Buffalo! Go Bills!



Mortgage Originator, NMLS #1413349 | 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...
09/23/2026

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/powersteam



Mortgage Originator, NMLS #1413349 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

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Rochester, NY
14618

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