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Catskill, New York

Catskill, NY.

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.

5.0★ average rating
166+ five-star reviews
Local to Greene County
Answers days, nights & weekends
Before you dig in — a word from Brian
“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 Marchand Brian MarchandSr. Loan Consultant · NMLS #481563
Your Catskill loan consultant

Home financing,
the way it should be

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.

Brian Marchand, mortgage loan consultant serving Catskill, NY
What actually moves your number

Three things that decide
a Catskill payment

The county seat, a low effective rate, and a creek that runs through the middle of the village.

Greene County's low rate

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 Central School District

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.

Flood zone, not flood risk

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.

Getting to know Catskill

A snapshot of
Catskill, NY

11,300Population
$230KCounty median home value
$70KCounty median household income
~1.49%Greene County effective rate

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.

The real numbers

What it costs to buy
in Catskill

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

What the escrow line looks like
$230KCounty median home value
~$360Est. taxes + insurance / mo*
  • Property taxes at ~1.49% (est.)$285
  • Homeowners insurance$75
  • Principal & interestRun yours →

*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.

Property taxes

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.

School districts

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.

You may not need 20% down

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.

See loan programs
From upstate New York clients

Real buyers.
Real results.

★★★★★
Brian and his team were awesome and really helped me with a pretty complicated process. Can’t recommend them enough!
AAlexis B.
Verified client · Zillow
★★★★★
Brian explained everything well, was very thorough, and always answered my questions quickly. I would recommend him to everyone.
JJameson P.
Verified client · experience.com
★★★★★
I highly recommend Brian. He consistently provides a five-star mortgage experience for my clients - quick response and deep knowledge.
GGenevieve S.
Verified client · Google

Verified reviews from Google & Zillow · See all 166+ reviews →

In & around Catskill

Serving Catskill &
Greene County

Type in your address to see the real driving distance and time from your doorstep to every town we serve nearby.

Drive times to each town

Enter your address to see the real driving distance and time to every town we serve nearby.

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

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

Catskill mortgage
questions, answered

Is the house I'm looking at in a flood zone?+
It is worth knowing in week one rather than week four. Catskill Creek and the Hudson put a real number of village and riverside properties in a FEMA special flood hazard area. If yours is in one, the lender requires flood insurance for the life of the loan, the premium counts in your debt-to-income, and it can move how much house you qualify for. Brian pulls the flood determination up front.
Can I buy in Catskill and rent it short-term when I'm not there?+
You can, but tell your lender the truth about the plan, because it decides the program. A second home is priced close to a primary residence but cannot use rental income to qualify. If the rental income is part of how the numbers work, it is an investment property - or a DSCR loan, which qualifies on the property's rent instead of your income.
Why are Catskill prices moving faster than the rest of upstate?+
Weekend and remote-work demand from downstate reached Greene County in earnest, and county median sale prices have run up accordingly. For a buyer that means comps can lag the offers. Where an appraisal comes in under contract, there are specific ways to structure around the gap - it is worth discussing before you write, not after.
Why is the tax figure on the listing different from what my lender used?+
Listings often show the seller's bill, which may include a STAR, Enhanced STAR or veterans exemption that doesn't transfer to you. Underwriting qualifies you on the forward-looking figure.
How fast can I get pre-approved?+
Often the same day or the next. You can start your pre-approval online anytime, or book a quick call with Brian.
What loan programs work best in Catskill?+
Conventional 3% and 5% down, FHA at 3.5%, zero-down VA, and SONYMA first-time-buyer loans with down payment assistance all get used here. USDA zero-down reaches across much of Greene County, which surprises most buyers. See the full lineup on the Loan Programs page.
Are you actually available on nights and weekends?+
It's the single most common thing clients mention. Homes and offers don't wait for business hours, so Brian doesn't either - call or text and you'll hear back quickly, even after hours.