The lender who actually answers - and gets it closed. From first-time buyers in the village to renovation files on Main Street, Brian Marchand makes the mortgage the easy part.
“Catskill has a low tax rate and a flood map. One of those saves you money every month and the other can cost you the closing if nobody checks it early.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Catskill shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Greene County - from first-time buyers in Catskill village to second-home buyers heading up toward Palenville and the mountains.
This is where Brian's persistence stands out. One local buyer put it simply: the team "worked with me in spite of hurdles to get my loan approved."
Been told "no" somewhere else? That's exactly where Brian goes to work. Yes, when other lenders say no.
The county seat, a low effective rate, and a creek that runs through the middle of the village.
Greene County's effective rate runs about 1.49% - one of the lowest in the region and well under Schenectady County's. Against the county median value of $229,500 that is roughly $285 a month in taxes before principal and interest.
Catskill CSD serves the village and most of the town, with edges falling toward Cairo-Durham and Coxsackie-Athens. School levies typically drive 60% to 70% of a New York tax bill, so the district gets confirmed for the exact address before an offer goes out.
Catskill Creek and the Hudson put a real number of properties in a FEMA special flood hazard area. If the address is in one, flood insurance is required by the lender - not optional - and the premium goes into your debt-to-income. Pull the flood determination in week one, because it can move your qualifying number.
Greene County's seat, on the Hudson at the mouth of Catskill Creek. A working village with a growing arts and restaurant scene, and the gateway to the northern Catskills.
Neighborhoods & areas: Catskill village · Leeds · Palenville · Cairo line
Population is a 2020 U.S. Census figure for Catskill. Home value, household income and the effective rate are Greene County U.S. Census / ACS estimates; town, village and school district figures vary. For general reference only.
Beyond the sticker price - the monthly math, local property taxes, the school districts and the programs that can shrink your out-of-pocket.
*Escrow illustration only. Taxes and insurance estimated against the Greene County median value of $229,500; your actual assessment, exemptions and premium will differ. Principal and interest are not shown here because they depend on your credit, loan program, down payment and market conditions on the day you lock — use the calculator or call me for real numbers. Not a commitment to lend. Equal Housing Lender.
Catskill sits in Greene County, where effective rates run about 1.49%. Against the county median value of $229,500 that is roughly $285 a month before principal and interest. STAR and veterans credits can reduce it, and a flood-zone address adds a required insurance premium on top.
The village and most of the town are served by Catskill Central School District, with edge addresses falling toward Cairo-Durham or Coxsackie-Athens. Because school levies typically account for 60% to 70% of a New York tax bill, the district gets confirmed for the exact address before an offer goes out.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA across much of Greene County, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He'll line up every credit you're eligible for.
Brian and his team were awesome and really helped me with a pretty complicated process. Can’t recommend them enough!
Brian explained everything well, was very thorough, and always answered my questions quickly. I would recommend him to everyone.
I highly recommend Brian. He consistently provides a five-star mortgage experience for my clients - quick response and deep knowledge.
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