Mortgage Corner
Why use Mainstream Funding?
Mainstream Funding makes the season bright with fast approvals, personalized service, and flexible mortgage options. Stress-free closings mean more time for cocoa, cookies, and holiday cheer!
Mortgage Hack
Deck the Halls Not Your Credit
Holiday shopping can tempt anyone. Keep credit card balances below 30% of their limit it protects your credit score, which protects your mortgage approval power
Mortgage Broker Lingo:
A contractual agreement that “locks in” your mortgage interest rate for a set period, protecting you from market fluctuations while your loan is processed. Think of it as reserving your holiday gift at today’s price before it goes up.
Buffalo Real Estate Trends
Price Movement Snapshot
Homes Are Dropping Like Snowflakes:
Buffalo home prices are seeing seasonal shifts this holiday season.
Savvy buyers might unwrap some great opportunities before the year ends.
Market Momentum
Buffalo’s housing market continues to show consistent momentum as we head into the holidays Wellpositioned listings are still drawing strong interest, signaling stable activity even as winter approaches.
Grow With Grow With
Best Brokerage
Publisher's notice: All
Publisher's notice:
The Metro Minute
Buy Smart Spotlight Sell Smart Spotlight
Shop for Homes like holiday deals
Just like finding the best holiday bargains, research multiple listings, compare prices, and don’t rush into the first “shiny” option. Look for value, not just appearances.
Wrap Up Your Budget Before You Start Looking
Set a clear spending limit and stick to it. Factor in holiday expenses so you don’t overextend your finances while house hunting.
Don’t Get Stuck in a Winter Wonderland of Options
Too many choices can be overwhelming. Narrow down your list by priorities like location, size, and must-have features before the holiday rush distracts you.
Keep Showings Merry and Bright
Ensure all rooms are well-lit, heated, and clean. A warm, inviting atmosphere can make buyers linger longer and fall in love faster.
Keep Your Listing Up-to-Date Through the Holidays
Even during the festive season, keep online listings accurate with fresh photos and updated info. Buyers are still browsing while sipping hot cocoa!
Stage for Family Gatherings
Many buyers envision entertaining during the holidays. Arrange dining and living spaces to feel spacious and welcoming, helping them imagine their own celebrations in your home.
Agents M a DiffereAgents Ma a Differe
A huge t hank you to all t he agents who pa foot ball squares! Because of your genero Committee was able to purchase a won gifts, bringing joy and suppor t to t hose w t his holiday season. Your par t icipat ion difference and helped spread some e
T he HOME Committee will also be accep donations at t he holiday par ty on T hursda you’ ll consider bringing a contribut ion a cont inuing t his great tradit ion of giving. Toget her, we can make t he season even brighter for ever yone in our community!
Just a reminder to scan this QR code to share your involvement with our community!
MAINSTREAM FUNDING NETWORK, INC. was founded in Williamsville, NY February of 1991 to provide an alternative to the often insensitive and bureaucratic institutional options that have characterized the mortgage lending industry for decades.
FROM THE OUTSET, WE HAVE PROVIDED a remarkably streamlined and personalized application-to-closing experience for thousands of clients. Over the years as we have grown in size, our veteran administrators and staff continue to function in concert with our original philosophy. Our commitment to making each client feel like our only client continues to earn us respect for our competence, praise for our attention to detail and repeated referrals from satisfied homeowners.
Marty Hackford Kevin Petronio Timothy Collins
Jim Roberts Katie Medina Candy Juzysta
Jeffrey Jess Anthony Rijos
Derek Greiner Michael Kearns
Brian Belcer
All Things 716 All Things 716
DEC 2025
DEC 2025
DEC 2025 5-6 6-7 6
HERTEL HOLIDAYS WALK
TIMES VARY Hertel Avenue, Buffalo
SANTACON BUFFALO 2025
1:30PM-8:00PM West Chippewa St, Buffalo
ROYCROFT WINTER FESTIVAL
TIMES VARY 49 Olean St, East Aurora
DEC 2025 6-7
YULETIDE IN THE COUNTRY Times Vary Hamburg Fairgrounds, Hamburg
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If you ’ ve been waiting to call Wheatf ield home and building a one-of-a-kind residence with a homebuilder you can trust, Wheatf ield Crossing by Forbes Capretto Homes is your answer. With a reputation built on amazing quality, high satisfaction, and incredible attention to detail, Forbes Capretto Homes delivers more than just houses - we build places you’ll be proud to call home.
Together Achieving More
Western New York Roberts Realty Advantage.
We Handle Your Real Estate, Appraisal and Auction Needs.
We handle both online and in person auctions throughout the Western New York Region
We have the technology and marketing footprint to showcase your property in it’s best light.
NEVER MISS AN AUCTION
Stay up to date on our auction schedule and news, or bid from anywhere. Download our app to your smartphone today. Works for both Apple and Android.
FOR OVER 30 YEARS JAMES ROBERTS has been a fixture in the Western New York real estate market. Mr. Roberts bought his first house when he was 19 years old and never looked back. He owns and operates one of the top real estate companies in Western New York.
Mr. Roberts is a member of the National Auctioneers Association (NAA) along with being a NYS Certified Appraiser and NYS Real Estate Broker. Mr. Roberts has his CREA designation from Certified Real Estate Auction School. Mr. Roberts also holds many real estate certifications and a bachelor’s degree in education and business.
WNY Metro Roberts Realty and its affiliated companies have been in business for over 30 years. We are a full-service brokerage that places our clients’ needs before our own. We have over 360 real estate agents and 5 appraisers. Our group is also home to the largest property preservation company in the area. Our appraisal company has completed valuations for over 3 decades.
SOUTH BUFFALO OFFICE
861 Abbott Road Buffalo, NY 14220
716-828-0005
DERBY OFFICE
6853 Erie Road Derby, NY 14047
716-947-5555
HAMBURG OFFICE
302 Buffalo Street Hamburg, NY 14075
716-646-6400
LANCASTER OFFICE
4721 Transit Road, Suite 18 Depew, NY 14043
716-668-2500
ORCHARD PARK OFFICE
4124 North Buffalo Street Orchard Park, NY 14127 716-662-0449
TONAWANDA OFFICE 2211 Sheridan Drive Tonawanda, NY 14223
716-875-2211
WEST SENECA OFFICE 960 Center Road West Seneca, NY 14224
716-891-1710
WILLIAMSVILLE OFFICE 5687 Main Street Williamsville, NY 14
716-559-9972
WARSAW OFFICE
4694 Broadway Road Depew, NY 14043
585-968-4450
LOCKPORT OFFICE 21 Main Street Lockport, New York 14094
716-727-5680
ELMWOOD OFFICE 1020 Elmwood Ave Ste 101 Buffalo, NY 14222
716-692-9464
