Mortgage Programs

Whether you are purchasing or refinancing, sizing up or sizing down, buying or building, our team of experienced home mortgage lending professionals will help you determine the best home loan option for you.

I am / I need…

Cash Saver

Let the Cash Saver Down Payment Assistance Program Loan (DPAL) help remove the financial obstacles to owning a home.
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Cash+ Programs

Make your offer stand out with GRB’s exclusive Cash+Mortgage and Cash+Guarantee program. Get pre-approved and go in as good as cash!
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Community Partners

Exclusive discount program to assist neighborhood heroes like police, nurses, firefighters, teachers, military, etc.
  • Discount/Grant, Promotion

Construction Draw

Are you looking to build your dream home? GRB can provide construction draw and end loan financing.
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Conventional Loans

While GRB offers many flexible loan programs, tried-and-true conventional mortgages, fixed or adjustable rate, are a solid choice
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DSCR Loans

Debt Service Coverage Ratio (DSCR) loans use an investment property’s established cash flow history to help the investor qualify for the loan.
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Employer-Based Discounts

GRB maintains close partnerships with the U of R, RIT, and RRH to offer discounts and grants to their employees for the purchase of their home.
  • Discount/Grant

FHA Loans

FHA loans are government-backed, and offer affordable down payment options with flexible credit requirements.
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HELOC

Let your home's equity work for you by covering larger expenses such as renovations, vacations, emergency funds, and more.
  • Line of Credit

Home Purchase Assistance Program (HPAP)

GRB supports the use of the City of Rochester’s Home Purchase Assistance Program Grant (HPAP) for down payment and closing cost assistance.
  • Discount/Grant, Third-party Program

Homebuyer Dream

The Homebuyer Dream Program® is a non-competitive grant program offered by the Federal Home Loan Bank of New York to eligible first-time home buyers.
  • Discount/Grant, Third-party Program

Jumbo Loans

GRB offers jumbo loans for buyers in need of financing for higher-priced properties that exceed the limits for conventional conforming loans.
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Manufactured Homes

GRB understands the unique requirements of financing manufactured homes, and are prepared to support you through the purchasing process.
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Medical Professional Loan

GRB understands the unique financial needs of medical professionals and has mortgage programs designed just for them.
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NeighborWorks DPCC+

Through the Down Payment & Closing Cost (DPCC+) Loan, homebuyers in Western New York can close the gap on their home purchase financing.
  • Discount/Grant, Third-party Program

Portfolio Lending

Using its portfolio, GRB provides a number of flexible home mortgage options for first homes, second homes, and investment properties.
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RateRelief Programs

At GRB, we’ve rolled out the RateRelief and RateRelief+ programs to give prospective homeowners the confidence to buy now and refinance with ease later.
  • Loan, Promotion

Real Estate Investor Solutions

GRB has solutions for real estate investors with larger multi-family units or a portfolio of properties.
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Refinancing

By refinancing an existing mortgage, you can lock in a lower rate, adjust your loan term, or switch from an adjustable rate to a fixed rate.
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SONYMA

The State of New York Mortgage Agency (SONYMA) offers low interest mortgage loans and programs to help qualified buyers purchase their first home.
  • Discount/Grant, Loan

SONYMA Homes for Veterans

The State of New York Mortgage Agency (SONYMA) offers low interest mortgage loans and programs to help qualified buyers purchase their first home.
  • Discount/Grant, Loan

Temporary Buydown

Discover how Temporary Buydowns can make home ownership more affordable by reducing your mortgage payments in the early years of your loan.
  • Discount/Grant, Loan

University of Rochester Homeownership Incentive Program

Discounts available for U of R employees purchasing city programs
  • Discount/Grant, Third-party Program

USDA Loans

If your house is in a designated rural area and your income falls within certain limits, a U. S. Department of Agriculture (USDA) loan may be for you.
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VA Loans

U.S. Dept. of Veterans Affairs (VA) Loans offer no-money-down lending for active-duty, reservists, and honorably discharged service members.
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Vacation & Second Home

Purchasing a second home? Let your hometown team help you no matter where you are purchasing.
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