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Glens Falls, New York

Glens Falls, NY.

Home financing, the way it should be. A lender who knows Warren County, answers the phone, and gets Glens Falls buyers to the closing table.

5.0★ average rating
169 verified reviews
Local to Warren County
Answers days, nights & weekends
Before you dig in — a word from Brian
“Glens Falls moves fast and the housing stock is older than people expect. Being ready to write is half of it. Knowing what the inspection might find is the other half.”
Brian Marchand Brian MarchandSr. Loan Consultant · NMLS #481563

Program guidelines on this page last verified . Guidelines, limits and program terms change — verified figures are current as of that date, not a commitment to lend.

Your Glens Falls loan consultant

Home financing,
the way it should be

Buying or refinancing in Glens Falls shouldn't mean chasing a lender who never calls back. Brian Marchand has guided buyers and homeowners across Warren County through financing, from first-time buyers to files other lenders stalled on.

He explains every option and every number in plain English - no jargon, no runaround. It's why so many Warren County clients come back and send their friends.

And when a file is tricky, that's exactly when Brian does his best work. Second opinions welcome.

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

Two things that decide
a Glens Falls payment

The price on the listing is only part of the story.

The market moves fast

Homes here have recently gone to contract in about 17 days. Being genuinely pre-approved is what lets you act on the right house instead of watching it slip to a buyer who was ready.

The housing stock is older

Glens Falls has a lot of historic and early-1900s homes. The loan program you choose decides whether condition becomes a hurdle or a non-issue - conventional is more forgiving, and renovation loans can fold the fixes in.

Getting to know Glens Falls

A snapshot of
Glens Falls, NY

14,000Population
$263.5KMedian sale price
~17 daysMedian time on market

A small city with a walkable, reviving downtown - the Hyde Collection, Cool Insuring Arena, and a short hop to Glens Falls and the Adirondacks.

Neighborhoods & areas: Downtown · West End · Queensbury line · South Glens Falls

Population figures are U.S. Census / ACS estimates. Individual homes vary - we run your specific address before you rely on a number.

Worth knowing

What to know about
buying in Glens Falls

What actually decides your payment here, in plain language.

School districts

The city is served by the Glens Falls City School District, with nearby addresses falling into Queensbury, South Glens Falls or Hudson Falls.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA in eligible rural parts of Warren 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 →
Loan programs for Glens Falls

The right program depends on
the house and the file

There's no single best loan here. The one that fits comes down to the property, your credit and how much you're putting down.

3% to 5% down

Conventional

Best for stronger credit and older homes

The most forgiving on condition, which matters on Glens Falls' older and historic homes. Often the cleanest path on a place that needs a little love.

See conventional details →
3.5% down

FHA

Best for lower down payment or thinner credit

Less down and more flexible credit. On a pre-1978 home, expect property-standard items, so knowing before you offer keeps them from becoming a surprise.

See FHA details →
Zero down

VA

Best for veterans and service members

No down payment and no monthly mortgage insurance. Same property standards as FHA, so we plan for condition early on an older home.

See VA details →
Zero down

USDA

Best just outside the city core

Zero down in eligible rural areas, and much of Warren County outside Glens Falls can qualify. Worth checking your address against the map before you rule it out.

See USDA details →
First-time buyers

SONYMA

Best when the down payment is the hurdle

New York's first-time-buyer program with down payment assistance, and New American Funding is a participating lender. It can be the difference at Glens Falls prices.

See SONYMA details →
Buy and fix in one loan

Renovation

Best for a home that needs work first

FHA 203k and HomeStyle loans roll the repairs into the mortgage, which is made for Glens Falls' historic housing stock. This is Brian's wheelhouse.

See renovation details →
How it works

Buying in Glens Falls,
start to keys

The whole path, and the few spots where this market specifically trips people up.

01

Get pre-approved first

02

Shop with the right program in mind

In a market moving in about two weeks, you move fast and clean. Because Brian was a Realtor first, we match the loan to the house up front.

03

Offer and application

Under contract, we turn the pre-approval into a full application and lock in your terms.

04

Appraisal and inspection

On an older Glens Falls home, this is where condition can come up. We usually see it coming and have a plan, not a panic.

05

Underwriting, then keys

We verify the full file, clear to close, walk the final numbers together, and the home is yours. No surprises at the table.

Start your pre-approval → Or book a quick call
Local detail that changes the loan

On the ground
in Glens Falls

A small city at the Warren and Washington County line, with older stock and two-family supply.

Housing stock

Glens Falls is compact and largely pre-war — frame and brick single-families on city lots, a genuine supply of two-families, and some larger historic homes near the center. Public water and sewer. The housing age, not the lot, drives the inspection conversation.

What a two-unit costs to buy, by program

Down payment on a two-family depends entirely on the program and whether you live there. FHA is 3.5% owner-occupied. Conventional is 5% owner-occupied on two units, but 15% or more if you are not living in it. The same building, the same price, and a five-figure difference in cash — occupancy is the single biggest lever.

The county line runs through this market

Glens Falls is Warren County; cross into Queensbury or south toward Moreau and the county and district change, and so does the effective tax rate. On the same purchase price that difference shows up monthly, so compare payments rather than prices when you are shopping both sides of a line.

Legal use versus what it is being used as

A house being rented as a two-family is not necessarily a legal two-family. Zoning, the certificate of occupancy and the assessment all have to agree, because a lender underwrites the legal use. Buy a non-conforming duplex as a two-family and you may not be able to count the rent — or refinance later on the same basis.

From Warren County 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, Facebook & Experience.com · See all 169 reviews →

In & around Glens Falls

Serving Glens Falls &
Warren 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

Glens Falls mortgage
questions, answered

Does the older housing stock cause appraisal issues?+
It can. Glens Falls has a lot of older and historic homes, and government-backed loans like FHA and VA follow minimum property standards, so an appraiser can flag peeling paint on a pre-1978 home, an aging roof or a safety item as a condition of closing. Conventional financing is more forgiving on condition, and renovation loans can fold the fixes in. Choosing the right program up front keeps a repair list from becoming a delay.
Can USDA zero-down financing work near Glens Falls?+
Often, just outside the city. USDA offers zero down in eligible rural areas, and much of Warren County outside the Glens Falls core can qualify. If you're looking toward the county's more rural stretches, it's worth checking your address against the map before ruling it out.
How fast do I need to move in the Glens Falls market?+
Faster than most people expect. Homes here have recently been going to contract in roughly a couple of weeks, so a real pre-approval is what lets you act when the right one shows up instead of watching it go to someone who was ready.
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.
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.

More answers: 500+ questions on buying in the Capital Region →

Brian Marchand, Sr. Loan Consultant at New American Funding

Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563

Works on mortgages for buyers and homeowners in Glens Falls and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.

About Brian