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Bay Ridge, Brooklyn · New York

Bay Ridge.

The lender who actually answers - and gets it closed. From co-ops to condos to multi-family across Brooklyn, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
Single & multi-family
Licensed across New York State
Your Bay Ridge loan consultant

Home financing,
the way it should be

Buying in Bay Ridge shouldn’t mean chasing a lender who never calls back. Brian Marchand helps buyers across Brooklyn and all of New York, from first-time buyers to seasoned investors.

What clients say again and again is simple: he answers. Text him on a Saturday, call after hours, ask the "silly" first-timer question - you’ll get a real answer, quickly, in plain English.

And when a file is tricky, that’s exactly when Brian does his best work. Yes, when other lenders say no.

Brian Marchand, mortgage loan consultant serving Bay Ridge, Brooklyn NY
Getting to know Bay Ridge

A snapshot of
Bay Ridge

80,000Population
$780KMedian home value
$82KMedian household income
40%Homeownership rate

One- to four-family houses with strong rental income. House-hack math and FHA multi-unit programs where they actually work.

Neighborhoods & areas: Fort Hamilton · Dyker Heights-adjacent · Ridge Blvd

Figures are approximate U.S. Census / ACS & market estimates for Bay Ridge, for general reference only.

The real numbers

What it costs to buy
in Bay Ridge

Beyond the sticker price - the monthly math, NYC property taxes, the school district and the programs that can shrink your out-of-pocket.

Example monthly payment
$780KMedian home price
→
~$4,559Est. per month*
  • Principal & interest$3,944
  • Property taxes (est.)$455
  • Homeowners insurance$160
  • Mortgage insurance (20% down)$0

*Illustration only - $780K price, 20% down ($156K), 30-yr fixed at a sample 6.5% rate. Co-ops and condos carry separate monthly maintenance / common charges not shown here. Your actual rate and payment depend on your credit, loan program and the day you lock. Not a commitment to lend.

Run your own numbers → Get pre-approved

Property taxes

New York City taxes 1–3 family homes at a relatively low effective rate - often 0.6%–0.9% of market value a year - far below the upstate average. On a $780K home that’s roughly $455/mo. Co-ops and condos are assessed differently and bundle taxes into monthly charges. The STAR and veterans’ exemptions can lower the bill further.

Schools

Bay Ridge is served by NYC District 20 within NYC Public Schools. Attendance zones vary block by block, so it’s always worth confirming the exact zoned schools for a specific address.

What sells here

Single & multi-family define the market here. Brian pairs the right program - conventional, FHA, VA, jumbo, co-op share, condo or SONYMA - to the property, not the other way around.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, co-op and condo financing, plus SONYMA first-time-buyer loans with down-payment assistance. First-time buyer in Brooklyn? He’ll line up every credit you’re eligible for.

See loan programs →
In & around Bay Ridge

Brooklyn,
neighborhood by neighborhood

Type in your address to see the real driving distance and time from your doorstep to every Brooklyn neighborhood Brian serves.

Drive times across Brooklyn

Enter your address to see the real driving distance and time to every Brooklyn neighborhood Brian serves.

Sorted by drive time - closest first. Tap a neighborhood to find it on the map.

Estimates via OpenStreetMap routing - typical driving times, not live traffic.