Mortgage Update with Mike & Joe

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike.July 2025: We’re in the heart of the summer market, and Mike and Joe are diving into the latest numbers to help you make sense of it all. In this episode of The Mortgage Update, they break down current trends in mortgage rates, buyer activity, and what’s shaping the Rochester housing market right now. Whether you're a first-time homebuyer, real estate agent, or just staying informed, this episode has the insights you need to navigate today’s market. This episode was filmed on July 18, 2025. All numbers and rates mentioned are accurate as of the filming date – HELPFUL LINKS – Register for the 2025 NYMBA Convention at: https://members.nymba.org/ap/Events/Register/WqFORkMfaCJCEAll Info for United Way Live at: https://unitedwayrocflx.org/news-events/united-way-live/Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/ Mike Pulver, SVP, Director of Business Development NMLS#410020  Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike.June 2025: It’s Homeownership Month, and there’s plenty to celebrate! In this episode of the Mortgage Update with Mike & Joe, we take a look at the latest market activity as we make our way into summer - and reflect on a record-breaking May here at GRB! Mike and Joe break down current rates, buyer activity, and what the latest trends mean for both buyers and real estate professionals in today’s market. This episode was filmed on June 13, 2025. All numbers and rates mentioned are accurate as of the filming date – HELPFUL LINKS – Register for the 2025 NYMBA Convention at: https://members.nymba.org/ap/Events/Register/WqFORkMfaCJCEAudio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/ Mike Pulver, SVP, Director of Business Development NMLS#410020  Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike.May 2025: In this month’s episode of the Mortgage Update with Mike & Joe, we take a look back at home sale statistics from 2015 to today. From pricing trends to market activity, Mike and Joe break down just how much the housing landscape has changed over the past decade. They also share the latest rate updates and insights as we hit the peak of the spring market. This episode was filmed on May 5, 2025. All numbers and rates mentioned are accurate as of the filming date. Home sale statistics data provided by UNYREIS via the GRAR website -https://www.grar.org/statistics/ – HELPFUL LINKS – Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/ Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. April 2025: On this month’s episode of the Mortgage Update with Mike & Joe, we’re diving into what’s been happening in the market and how recent headlines may be causing uncertainty for buyers and sellers alike. Tune in for the latest rate trends, market insight, and helpful advice for navigating this spring real estate season.This episode was filmed on April 8, 2025. All numbers and rates mentioned are accurate as of the filming date. - HELPFUL LINKS –Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/ Mike Pulver, SVP, Director of Business Development NMLS#410020 Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. March 2025: This month, Mike and Joe break down the latest February market trends, discuss GRB’s upcoming March Madness event, and introduce a new segment showcasing a ‘Big Win’ that highlights how the right lending partner can make all the difference. Tune in for this month's latest updates and insights! This episode was filmed on March 10, 2025. All numbers and rates mentioned are accurate as of the filming date.HELPFUL LINKS –GRB RateRelief+: https://www.grbbank.com/mortgage-prog...Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage... Mike Pulver, SVP, Director of Business Development NMLS#410020 Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike.February 2025: This month, Mike & Joe break down the latest market numbers, discuss the impact of the CPI report, and clear up misconceptions about our Cash+ Guarantee Program—showing why it’s a game-changer for buyers.This episode was filmed on February 12, 2025. All numbers and rates mentioned are accurate as of the filming date.HELPFUL LINKS – GRB Cash+ Guarantee: https://www.grbbank.com/mortgage-prog...Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage... Mike Pulver, SVP, Director of Business Development NMLS#410020 Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. January 2025: In this episode, Mike and Joe kick off the new year by discussing Buffalo Bills playoff predictions, reflecting on the new product updates introduced in 2024, and breaking down the latest market trends. They’ll also highlight the upcoming Mortgage Bankers Association (MBA) Economic Forecast Forum happening on January 30 and what it could mean for 2025.This episode was filmed on January 8, 2025. All numbers and rates mentioned are accurate as of the filming date. - HELPFUL LINKS - GRB Homebuyer Dream: https://www.grbbank.com/mortgage-program/homebuyer-dream/MBA Greater Rochester Economic Forecast Forum: https://mbarochester.com/store-2/2025-economic-forecast-forum/Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. December 2024: In the final episode of 2024, Mike and Joe share their holiday and end-of-year traditions while diving into details on preparing for the 2025 Homebuyer Dream Program. They also break down the latest market trends for November.This episode was filmed on December 11, 2024. All numbers and rates mentioned are accurate as of the filming date.- HELPFUL LINKS - GRB Homebuyer Dream: https://www.grbbank.com/mortgage-program/homebuyer-dream/Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.November 2024: Mike and Joe kick off this episode talking about the upcoming Thanksgiving holiday and read a special poem to the listeners! In addition to the holiday traditions, we talk about the latest market trends we saw in October and the latest news around rates. Plus hear about upcoming program releases and how GRB is ready to support realtors and buyers for the coming year! This episode was filmed on 11/8/2024. All numbers and rates are accurate as of filming date.- HELPFUL LINKS - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.October 2024: Not only is it officially spooky season, it's Cybersecurity Awareness Month! Mike & Joe welcome Megan Antonitto, GRB's own head of Risk Management, to talk about cybersecurity best practices and common scams seen by homeowners. Listen in to hear about Mike & Joe's favorite Halloween traditions, scary Buffalo Bills scores, and the latest market data.Send in your submission for the listener challenge at: https://www.grbbank.com/mike-joe-market-update/This episode was filmed on 10/4/2024. All numbers and rates are accurate as of filming date.- HELPFUL LINKS - Banks Never Ask That: https://www.banksneveraskthat.com/GRB's Security Resources: https://www.grbbank.com/rochester-community-bank/security-resources/Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.September 2024: Mike and Joe have had a busy month so far! Starting with a recap of the Bills season to new exciting program for local homebuyers. Tune in to this month's episode to hear the latest news on the local market and upcoming rate discussions.  This episode was filmed on 9/13/2024. All numbers and rates are accurate as of filming date.- HELPFUL LINKS - GRB's Welcome Home Program: https://www.grbbank.com/welcome-home-rewards/United Way Battle of the Bands Donation: https://fundraise.givesmart.com/f/4wxf/n?vid=17jilzAudio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.Buffalo Bills Training Camp: Mike and Joe are excited to be reporting LIVE from Buffalo Bills Training Camp at St. John Fisher University! Tune in to hear their predictions for the Bills season record, see what Mike believes will be GRB's 'Rookie Program of the Year,' and get an exciting update on an existing mortgage program. This episode was filmed on 7/28/2024. All numbers and rates are accurate as of filming date.- HELPFUL LINKS - GRB's Cash+Guarantee Program: https://www.grbbank.com/guaranteeU of R Home Ownership Incentive Program: https://www.rochester.edu/human-resources/benefits/programs-perks/home-ownership-incentive-program/Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.July 2024: This month we're talking about 4th of July traditions and exciting new GRB Mortgage programs! Tune in to learn more about June's listing data for Central & Western NY and how GRB is expanding it's lending options to help buyers win in this market. This episode was filmed on 7/3/2024. All numbers and rates are accurate as of filming date.- Helpful Links - GRB's Cash+Guarantee Program: https://www.grbbank.com/guaranteeAudio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Mike Pulver, SVP, Director of Business Development NMLS#410020Joe Leone, GVP, Residential Mortgage Manager NMLS#6780Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comGenesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.June 2024: It's National Homeownership Month! We spend some time chatting about why celebrating home ownership is important and what home means to us. We also cover the latest market trends we saw in May and what they mean going forward. Plus hear about a couple of the latest initiatives from GRB and how they can help your buyers! This episode was filmed on 6/10/2024. All numbers and rates are accurate as of filming date.- Helpful Links - GRB National Homeownership Video: https://youtu.be/k5HWfljpAv0Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.May 2024: This month we're gearing up for the summer market and talking about some of what's to come here at GRB. Tune in to learn more about April's listing data, the most recent rate news, two new initiatives launching this month and more! This episode was filmed on 5/3/2024. All numbers and rates are accurate as of filming date.- Helpful Links - 13thirty Cancer Connect: https://13thirty.org/Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.April 2024: There's so much to cover this month; from the total solar eclipse to the latest news coming from the National Association of Realtors settlement and so much more. Mike and Joe cover these as well as go over the latest numbers in the market and highlight our series of 'Flat Phil' adventures for Community Banking Month. This episode was filmed on 4/4/2024. All numbers and rates are accurate as of filming date.- Helpful Links - 'Flat Phil' Community Banking Month videos: https://youtube.com/playlist?list=PLqicd9FVE6pewvsbVxat2VG71FgcD3mhw&si=ENeo2UW1a2Ugp0zBAudio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.March 2024: Mike and Joe kick off the madness this March with a recap of GRB's 'Survive & Thrive' event and then take a look at the latest numbers in the market from February. Plus, they cover the Total Expert platform in our latest GRB Power Tools segment, and chat about reasons people might look at refinancing when we start to see more favorable rates in the future. This episode was filmed on 3/4/2024. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.February 2024: This month, Mike and Joe chat about the recent Rochester Mortgage Bankers Association Economic Forum, MC'd by our very own Joe Leone, as well as the latest numbers in the market and impacts to rates around the country. Plus the guys take some time to talk about how our Rate Relief Plus program can help realtors and their buyers navigate through these early months of the 2024 real estate market. This episode was filmed on 2/2/2024. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.January 2024: Happy New Year to all our viewers and listeners! We're kicking off 2024 with a look at the numbers from December, as well as where things are heading in the market in this year. Plus we chat about some ways we can help agents hit the ground running in 2024, as well as some of the exciting things ahead for GRB. This episode was filmed on 1/8/2024. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.December 2023: Happy Holidays and warm wishes for a joyful New Year to all our viewers and listeners! This month, Mike and Joe wrap up the year by taking a quick look at the latest numbers around the market, as well as chatting about some things to come for 2024. Also, the guys dive into the fish bowl of questions for some discussion on credit scores, layering mortgage products, and favorite holiday cookies! This episode was filmed on 12/14/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.November 2023: Happy Thanksgiving to all our viewers and listeners! This month, Mike and Joe cover the latest numbers in the market locally and what the trend looks like heading into the end of the year. Our GRB Power Tools segment covers the Rate Relief Plus program and what it means for your buyers. And in the Mortgage Mythbusters this month we talk about servicing loans and dive into why lenders like GRB may choose to sell or service your loan. This episode was filmed on 11/17/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.October 2023: the Gray Knight Returns! This month, Joe and Batman, err Mike, chat about what we saw in the market this past month. We chat about the outlook for the market and buyers in anticipation of continued rate changes. For October's GRB Power Tools, the guys talk about the newest updates to the Homebuyer Dream Program and how it can help buyers in 2024. We also highlight the SONYMA DPAL Plus program and it's benefits. This episode was filmed on 10/20/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.September 2023: We're kicking off the fall with the latest updates for real estate in our area. This month we talk through the numbers over the past month and the continuing trend we've seen since the summer in sales. Plus we touch on two GRB Power Tools - Preapprovals and the DSCR Loan Program - and how these solutions can help the right buyers navigate this market. This episode was filmed on 9/19/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/shareGenesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.July 2023: This month we're on location in Skaneateles, NY! Mike and Joe run through the June transaction numbers and how things look for buyers right now. Also, we kick off a new segment - GRB Power Tools! Each month we'll be highlighting a different helpful product or tool GRB offers, and first up is the GRB Mortgage Express app! Finally, the guys spend some time discussing the latest on the news surrounding student loan debt and how it impacts potential homebuyers. This episode was filmed on 7/12/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Watch this episode on YouTube: https://youtu.be/0BxpI2Mhsx4Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.June 2023: Mike and Joe discuss what May's transaction data tells us about the state of purchases for our area going into the summer. Plus they give some thoughts on how to best prepare buyers for competing in the current market based on these numbers. Finally, it's been just over one year since GRB's Cash Plus program launched, so Mike and Joe review how the program has performed and where it can help buyers moving forward. This episode was filmed on 6/9/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.May 2023: This month we're live from Oak Hill Country Club, home of the 105th PGA Championship! Mike and Joe talk a bit about the buzz surrounding the start of the tournament and what the impact will be on our local economy. They also dive into the latest headlines in the mortgage industry, as well as what's going on in our local market heading into summer. And finally, they outline a few thoughts on setting buyers up for success as the market heats up. This episode was filmed on 5/12/2023. All numbers and rates are accurate as of filming date.A very special thanks to Oak Hill Country Club for graciously allowing us to come film onsite for this episode. - Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.April 2023: April is Fair Housing Month and in recognition, Mike and Joe are joined by Theo Finn, President of the Greater Rochester Housing Partnership! We hear from Theo on how the GRHP is working to help families build generational wealth through homeownership programs and resources. Also we hear about how the current landscape of the real estate industry is affecting opportunities available to buyers and the challenges that presents. This episode was filmed on 4/10/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Greater Rochester Housing Partnership: http://grhp.org/City of Rochester "Buy the Block": https://www.cityofrochester.gov/BuyTh...Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage...Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-up...Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.March 2023: The madness has begun! This month, Mike and Joe are looking at the market trends emerging as we prepare to step into the spring market, and talk about what programs are most helpful for buyers to hold their own when it comes time to submit an offer. They also take some time to chat about how the recent banking news impacts rates and consumer confidence. Plus we hear about some of the upcoming events hosted by GRB to get you ready to tackle the challenges ahead. This episode was filmed on 3/14/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.February 2023: With one month of the year under our belts, Mike and Joe take some time to talk about the market price and home sales numbers we're seeing so far. They also take the opportunity to review some of the programs and initiatives available to buyers that can help them overcome obstacles in the real estate market in our area. This episode was filmed on 2/14/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.January 2023: Happy New Year! Mike and Joe kick off 2023 joined by Jim Yockel, Greater Rochester Association of Realtors (GRAR) Chief Executive Officer, to talk what's in store for the real estate market this year. They cover some of the challenges in our area, inventory shortages, and long term solutions that can help bring some relief to the turbulence seen the market. Plus they chat about how to connect with buyers and help them look past rates to see the bigger picture. This episode was filmed on 1/19/2023. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.December 2022: This month we're focused on Syracuse and the Central New York market! Mike and Joe are joined at GRB's new Syracuse office by Bill Carroll of RE/Max Masters, a Real Estate Salesperson with over 20 years of experience and a native of the Syracuse region. Mike, Joe, and Bill chat about what makes the Central New York real estate market unique, what trends they see around the area, and the outlook on 2023. Plus the group discusses how lenders and realtors can prepare for the new year and strengthen partnerships to better serve homebuyers. This episode was filmed on 12/13 /2022. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.November 2022: Mike and Joe chat about the latest rate changes in the local markets and how that impacts plans for the buyers. They also address some important things to keep in mind over the holiday season for potential homebuyers, as well as how agents and potential sellers can get prepared to hit the market in the new year. Plus we get the inside scoop on some of their favorite Thanksgiving traditions -- cannoli anyone? This episode was filmed on 11/16/2022. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.October 2022: This month, Mike and Joe compare low rate and higher purchase price versus higher rate and lower purchase price, with some real examples that put it all in perspective. With the Federal Student Loan Forgiveness now in effect, we talk about what completing this five-minute application can do for prospective homebuyers with student loan debt. And finally, Mike and Joe take a moment to celebrate the “Most Neighborly City in the United States”  -- and share why they're happy to call it home! This episode was filmed on 10/18/2022. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage...Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-up...Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! Our new podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.September 2022: This month, Mike and Joe discuss how the rise of rates has affected the real estate market, from sales to offers and beyond. Plus they highlight how different mortgage options can provide flexibility and opportunity in this volatile market. This episode was filmed on 9/28/2022. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage...Submit your questions for next month's podcast: http://grbbank.com/mike-joe-market-up...Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

It's the premier episode of Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Residential Mortgage Manager, and Joe Leone, GVP, Mortgage Operations Manager! This new podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Rochester, NY real estate market over last month, plus gives some analysis on what's to come for agents and buyers alike.August 2022: Mike and Joe chat about how mortgage rates have changed in 2022, the impact of the Fed rate changes, and how FHA lending can work for buyers. And we get Mike's predictions for this upcoming NFL season (*spoiler alert* Bills fans will be very happy with this one). This episode was filmed on 8/16/2022. All numbers and rates are accurate as of filming date.- Helpful Links - Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/Submit your questions for next month's podcast: https://www.grbbank.com/mike-joe-market-update/Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.comMike Pulver, SVP, Residential Mortgage Manager NMLS#410020Joe Leone, GVP, Mortgage Operations Manager NMLS#6780