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Chelsea, Manhattan · New York

Chelsea.

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

5.0★ average rating
High-end condos
Licensed across New York State
Your Chelsea loan consultant

Home financing,
the way it should be

Buying in Chelsea shouldn’t mean chasing a lender who never calls back. Brian Marchand helps buyers across Manhattan 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 Chelsea, Manhattan NY
Getting to know Chelsea

A snapshot of
Chelsea

55,000Population
$1.4MMedian home value
$135KMedian household income
22%Homeownership rate

New-development and boutique condos, warrantable or not. Jumbo and portfolio options when the standard box doesn't fit.

Neighborhoods & areas: West Chelsea · Hudson Yards · Flower District

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

The real numbers

What it costs to buy
in Chelsea

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
$1.4MMedian home price
→
~$8,116Est. per month*
  • Principal & interest$7,079
  • Property taxes (est.)$817
  • Homeowners insurance$220
  • Mortgage insurance (20% down)$0

*Illustration only - $1.4M price, 20% down ($280K), 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 $1.4M home that’s roughly $817/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

Chelsea is served by NYC District 2 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

High-end condos 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 Manhattan? He’ll line up every credit you’re eligible for.

See loan programs →
In & around Chelsea

Manhattan,
neighborhood by neighborhood

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

Drive times across Manhattan

Enter your address to see the real driving distance and time to every Manhattan 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.