Get Moving with Cindy O'Grady
CRA Mortgage Loan Officer
Cindy O'Grady
AVP, CRA Mortgage Loan Officer
NMLS #48748
Rochester
2118 Hudson Avenue
Rochester NY, 14617
Use the link below to get started on your Home Financing application or check the status of a submitted application.
GET STARTED TODAYBusiness Hours
Monday through Friday – 8:00 a.m. to 5:00 p.m.
Bio
Helping You Navigate the Mortgage Process with Confidence. With broad mortgage experience across departments, I am prepared to guide you through every step of the home buying journey. I’m passionate about guiding first-time buyers, clearly explaining mortgage terms and costs so you know what to expect. I take pride in being patient and clear, so you can feel confident and informed throughout the process. I’m here to guide you—explaining key details and helping you qualify—so your mortgage process runs smoothly. As an approved final qualifier for Buy the Block homes, I can assist with that unique homeownership opportunity too. If you're not a first-time homebuyer, no worries! My expertise can assist you in buying and selling your next home, ensuring you get the best possible deal. Let’s work together to make your homeownership dreams come true!
Ready to Apply?
Please Have These Items Ready
- Current and Previous Addresses (2 years)
- Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
- Current and Previous Employment Information and dates (2 years)
- Sources and income amounts for all borrowers
a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
c. If retirement income, award letter, 1099 or equivalent documentation - Bank Account Statements (2 months)
- Current monthly housing expenses such as rent and mortgage payments
- Property address and Estimated Market Value for properties you own, including taxes & insurance
- If working with a real estate agent, their name, company and phone number
Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.
