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Colonie, New York

Colonie, NY.

The lender who actually answers - and gets it closed. From first-time buyers to tough files in the Colonie area, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
166+ five-star reviews
Local to Albany County
Answers days, nights & weekends
Your Colonie loan consultant

Home financing,
the way it should be

Every Colonie home has its own story - a first purchase, a move up, or a refinance that finally makes sense. Brian Marchand treats each one like it's the only deal that matters, and he knows the Albany County market street by street.

Clients across Albany County say the same thing: he actually answers. "He is a phone call and a text ahead," as one put it - nights and weekends included.

Whether you're buying in Colonie or nearby Albany, you'll always know exactly what's next. That's the difference.

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

Three things that decide
a Colonie payment

One town, two school districts, two different tax bills. Most buyers assume Colonie is Colonie.

North Colonie and South Colonie are not the same bill

The town is split between two districts and the gap isn't cosmetic. Empire Center analysis has put the median South Colonie district bill near $7,838. Two similar houses a few streets apart can carry meaningfully different escrow.

Latham and Loudonville price differently

Loudonville skews older and higher, Latham broader and more varied. Both sit in Albany County's 1.9% to 2.4% effective range, so your tax line moves with price and district - not with the mailing address on the listing.

The listing's tax figure is often the seller's

Colonie has a lot of long-tenured owners carrying STAR, Enhanced STAR or veterans exemptions that don't transfer. Underwriting uses the forward number, and that correction can move what you qualify for.

Getting to know Colonie

A snapshot of
Colonie, NY

85,000Population
$290KMedian home value
$82KMedian household income
1.9–2.4%Albany County effective rate

The Capital Region’s largest suburb and its retail hub, anchored by the Wolf Road corridor. Colonie draws steady demand for its convenient location, solid schools and mix of established mid-century neighborhoods and newer builds.

Neighborhoods & areas: Loudonville · Latham · Newtonville · Roessleville · Maplewood

Population, home value and income are U.S. Census / ACS estimates. The effective rate shown is the Albany County range; Colonie addresses vary by school district. Median district bill figures reflect published Empire Center analysis. For general reference only.

The real numbers

What it costs to buy
in Colonie

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

Example monthly payment
$290KMedian home value
→
~$2,320Est. per month*
  • Principal & interest$1,650
  • Property taxes at ~2.1% (est.)$508
  • Homeowners insurance$75
  • Mortgage insurance (10% down)$87

*Illustration only - $290K value, 10% down ($29,000), 30-yr fixed at a sample 6.5% rate, taxes estimated at the midpoint of the Albany County range. A North Colonie vs South Colonie address changes the tax line. 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

Colonie sits in Albany County, where effective rates run roughly 1.9% to 2.4% against a New York median near 1.90%. The bigger variable here is the district: published analysis has put the median South Colonie bill near $7,838. On a

90K home the tax line lands near $510 a month. STAR and veterans credits can reduce it.

School districts

Colonie is split primarily between North Colonie and South Colonie Central School Districts, with some addresses in neighboring districts. Because school levies typically account for 60% to 70% of a New York tax bill and Albany County district rates vary by 30% to 50%, the district is the single biggest swing factor in a Colonie payment.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA in the rural stretches of Albany 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 Albany County clients

Real buyers.
Real results.

★★★★★
Brian is always ready to help my clients and give us top-notch service. His years of mortgage knowledge and experience ensure we get the deal closed.
TToni M.
Verified client · Google
★★★★★
Brian is amazing! A great communicator who makes himself available. Every time I reached out, he would answer or call me right back.
AAnne M.
Verified client · Zillow
★★★★★
As first-time home buyers the experience was overwhelming, but this team made the process so much smoother. Everyone was always accessible and quick to answer.
KKristin M.
Verified client · experience.com

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

In & around Colonie

Serving Colonie &
Albany 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

Colonie mortgage
questions, answered

Does it matter whether I buy in North Colonie or South Colonie?+
For your monthly payment, yes. The town is split between two school districts, and school levies typically account for 60% to 70% of a New York tax bill. Published Empire Center analysis has put the median South Colonie district bill near $7,838. Two similar homes a few streets apart can carry meaningfully different escrow, which changes the loan amount your income supports.
Why is the tax figure on the listing different from what my lender used?+
Listings often show what the seller pays. Colonie has many long-tenured owners whose bills include a STAR, Enhanced STAR or veterans exemption that doesn't transfer to a new owner. Underwriting has to qualify you on the forward-looking bill, so it gets verified before the offer, not at the closing table.
Are Latham and Loudonville taxed differently?+
Not by mailing address. Both sit in Albany County's roughly 1.9% to 2.4% effective range. What differs is price and school district - Loudonville skews older and higher-value, Latham is broader. The district line does more to your payment than the postal name does.
Does Colonie have older housing stock that causes appraisal issues?+
Some of it, particularly in the older Loudonville and Newtonville pockets. FHA and VA loans follow minimum property standards, so an appraiser can flag peeling paint on a pre-1978 home, an aging roof, or a health and safety item and make repairs a condition of closing. Conventional financing is generally more forgiving on condition.
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 Colonie?+
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 regularly. Renovation financing is worth a look on the older stock. 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.