Tim Cone, Mortgage Originator NMLS #1294393 585-236-6240

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Tim Cone, Mortgage Originator NMLS #1294393 585-236-6240 With over 10 years of experience as a Mortgage Originator, I am committed to helping my customers achieve their homeownership dreams. WHY CHOOSE GRB?

I will work to provide you with the right financing solution by utilizing GRB’s:

Leading Selection of Financing Options Whether you need a first mortgage, a refinance, or want to finance a second home or investment property, GRB has a solution. GRB’s home mortgage options include traditional loan programs, as well as specialty lending options and discounts. Competitive Rates for Buying and Refinancing GRB works hard to offer discounts and grants to borrowers through employer-based affinity programs and by working with the Federal Home Loan Bank of New York and local governments to offer buyers access to special grants and programs. I have earned a solid reputation in the real estate community by providing personalized attention, quick responses, and overall support while you make the biggest investment of your life. GRB HISTORY: In 1996, two successful Rochester businessmen, E. Philip Saunders and Dan Gullace, purchased an established local bank. They renamed it Genesee Regional Bank with the vision of reestablishing a community bank presence here and helping the growth of the Rochester economy. Today, GRB offers a full range of personal and commercial banking products and mortgage services. The GRB TEAM: Our experienced Mortgage Originators provide GRB’s renowned personal service, competitive rates, and quick lending decisions. Our dedicated staff of Mortgage Processors and Underwriters has decades of experience and is located right here in Rochester. 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
· Manufactured housing
· 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

As we "fall back" with daylight saving time, it's a perfect opportunity to shed some light on your home-buying journey! ...
10/31/2026

As we "fall back" with daylight saving time, it's a perfect opportunity to shed some light on your home-buying journey! 🍂 Did you know an extra hour of daylight means more time to find your dream home and explore mortgage options?

How are you planning to use that extra hour? Drop your ideas or mortgage questions in the comments below!



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Thinking about taking a trip to the neighborhood haunted house? đź’€ Just like navigating that spooky maze of the unknown, ...
10/31/2026

Thinking about taking a trip to the neighborhood haunted house? đź’€ Just like navigating that spooky maze of the unknown, venturing into the world of mortgages can feel daunting. But fear not, I'm here to guide you safely through every twist and turn!

Have any questions that are haunting your mortgage journey? Email me or drop me a DM to get started!

-tifulHomeLoans

Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🏖️ Less yard work? Lake views? A pool for the grandkids? Maybe it’s time to start planning.If you're an established home...
10/30/2026

🏖️ Less yard work? Lake views? A pool for the grandkids? Maybe it’s time to start planning.

If you're an established homeowner, Financial Planning Month is a great excuse to ask yourself: What do I want my next home to look like?

Maybe it’s downsizing to something easier to maintain. Maybe it’s purchasing that vacation home you've talked about for years. Or maybe you're not going anywhere but looking for some upgrades.

Whatever your plans, now is a good time to:

🏡 Get an idea of your current home's value
đź’° Understand how much equity you may have
🔨 Think carefully about any big renovations
📦 Start decluttering if downsizing is on the horizon
đź’¬ Talk with a Loan Originator about financing possibilities

You don't have to know exactly where you're going to start figuring out how you might get there.

Let’s talk about what your next move could look like.
https://myoc.io/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

đź‘¶ More family sometimes means you need more home.And when you're already budgeting for diapers, daycare, groceries, spor...
10/28/2026

đź‘¶ More family sometimes means you need more home.

And when you're already budgeting for diapers, daycare, groceries, sports, braces and approximately 4,000 snacks a week, buying a bigger home can feel like a BIG decision.

Start with a plan:

đź’° Know what monthly payment works alongside your other expenses.
🔑 Find out what you may qualify for before you start falling in love with listings.
🏡 Think about the space your family will need a few years from now.
📍 Consider the whole picture, from location and commute to taxes and ongoing home expenses.
❤️ And remember, a home isn't just another expense. It’s where your family builds memories, and homeownership can provide the opportunity to build equity along the way.

Your family is growing. When you're ready, let's talk about finding a home that can grow with you.
https://myoc.io/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

🔥 Your home is a big investment. Take five to protect it.October is Fire Prevention Month, and it’s a good reminder to g...
10/23/2026

🔥 Your home is a big investment. Take five to protect it.

October is Fire Prevention Month, and it’s a good reminder to give your home a quick safety check. Add these 5 fire-prevention tips to your homeowner to-do list:

âś… Test your smoke alarms. Test monthly to make sure alarms function on every level of your home. Replace alarms after 10 years.

âś… Stay with the stove. Never leave items unattended. Keep towels, packaging and other flammable items away from your cooktop.

âś… Give heat some space. Keep anything that can burn safely away from fireplaces, space heaters and other heating equipment.

✅ Charge batteries safely. Pay attention to how and where you charge phones, e-bikes, power tools and other lithium-ion battery-powered devices. Safe charging is the focus of the National Fire Protection Association’s 2026 Fire Prevention Week.

âś… Make an escape plan. Identify two ways out of every room, choose a family meeting spot outside and practice your plan twice a year.

A few simple precautions can help protect the people you love and the place you call home. 🏡❤️

👉 Find more tips from the National Fire Protection Association at https://www.nfpa.org/events/fire-prevention-week.
https://myoc.io/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

A reminder worth sharing this October: Don’t put your health on the back burner.For Breast Cancer Awareness Month, take ...
10/21/2026

A reminder worth sharing this October: Don’t put your health on the back burner.

For Breast Cancer Awareness Month, take time to know your risk, stay on top of recommended screenings and talk with your healthcare provider about any changes or concerns.

And while you’re at it, check in with the people you care about. Sometimes a simple reminder is the nudge someone needs to make that appointment.

Learn more and find helpful resources from the Susan G. Komen Foundation athttps://www.komen.org/about-komen/our-impact/breast-cancer/breast-cancer-awareness-month.
https://myoc.io/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

That login page looked legit. But the URL wasn't quite right. If you are in the process of buying a home or obtaining mo...
10/16/2026

That login page looked legit. But the URL wasn't quite right. If you are in the process of buying a home or obtaining mortgage financing, pay close attention to text messages and emails. Scammers today can build perfect fakes. But a can still spot it. Learn more: https://aba.social/45wsDM9
https://myoc.io/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

⚠️If you checked any box — stop. Verify.If you are in the process of buying a home or obtaining mortgage financing, pay ...
10/14/2026

⚠️If you checked any box — stop. Verify.

If you are in the process of buying a home or obtaining mortgage financing, pay close attention to every detail in the messages you receive. Scammers have a sophisticated toolkit. But you can learn how to protect your money and yourself: https://aba.social/45wsDM9
https://myoc.io/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | 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...
10/09/2026

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/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

With GRB’s RateRelief+, qualified buyers can take advantage of a lender-funded 1-0 temporary buydown that lowers the int...
10/07/2026

With GRB’s RateRelief+, qualified buyers can take advantage of a lender-funded 1-0 temporary buydown that lowers the interest portion of the monthly payment for the first year. Plus, if rates come down before December 31, 2027, the program provides a lower-cost path to refinance.

That’s relief today and more flexibility for tomorrow.

Let’s talk about whether RateRelief+ could help you feel more comfortable making your move.
https://myoc.io/aoK4YpqXcIb

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Mortgage Originator, NMLS #1294393 | Genesee Regional Bank, Equal Housing Lender, Member FDIC, NMLS #417491

Address

1850 S. Winton Road
Rochester, NY
14618

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