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

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

National Wellness Month is a great reminder that wellness isn't just physical, it's financial too. If home financing que...
08/28/2026

National Wellness Month is a great reminder that wellness isn't just physical, it's financial too. If home financing questions or banking concerns are creating stress, let's talk. Whether it's developing a mortgage plan or connecting with our Retail Banking team to help maximize your account benefits, small steps today can help create greater peace of mind tomorrow. 💙



Mortgage Originator, NMLS #1294393 | 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 #1294393 | 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...
08/22/2026

🏡 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/aoK4YpqXcIb



Mortgage Originator, NMLS #1294393 | 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...
08/19/2026

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/aoK4YpqXcIb

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

Sellers often consider the likelihood that a transaction will close successfully in deciding which offer to accept. A fu...
08/15/2026

Sellers often consider the likelihood that a transaction will close successfully in deciding which offer to accept. A fully underwritten approval can provide more confidence than a basic prequalification because the financing review has already been completed.

🏡 Thinking about buying? Let's discuss which level of approval is right for you.
https://myoc.io/aoK4YpqXcIb



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

Let's spend some time talking about FICO scores!Your FICO score is a key player in the homebuying game. It's a three-dig...
08/12/2026

Let's spend some time talking about FICO scores!

Your FICO score is a key player in the homebuying game. It's a three-digit number, typically ranging from 300 to 850, calculated based on your financial past and present like payment history, amounts owed, the length of credit history, new credit, and types of credit used.

Wondering why it’s so critical? Because lenders use it to assess your creditworthiness. A higher score can lead to better loan terms and lower interest rates, potentially saving you big bucks!

The good news is there are ways to boost your score, and I can help! Let’s make sure you’re homebuyer-ready. Drop me a message and we’ll strategize. 🏠
https://myoc.io/aoK4YpqXcIb



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

Back-to-school season is all about planning for what's next. While you're checking off school supply lists and busy sche...
08/08/2026

Back-to-school season is all about planning for what's next. While you're checking off school supply lists and busy schedules, take a moment to review your financial goals, too. Whether you're thinking about a new home, refinancing, or simply want a roadmap for the future, I'm here to help make homeownership feel a little less overwhelming. 🍎🏡



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

You don't need a perfect credit score to buy a home. Many loan programs are flexible and are designed to work with a ran...
07/28/2026

You don't need a perfect credit score to buy a home. Many loan programs are flexible and are designed to work with a range of credit profiles.

The key is understanding where you stand - and what options are available to you.

Curious what you might qualify for? Let's talk! 📞
https://myoc.io/aoK4YpqXcIb

Mortgage Originator, NMLS #1294393 | 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...
07/21/2026

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.

📞 Contact me to get started on your homebuying journey!

For Cash+Mortgage details, visit grbbank.com/good-as-cash
https://myoc.io/aoK4YpqXcIb

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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