The lender who actually answers - and gets it closed. From first-time buyers on Kingsboro Avenue to renovation files on the old glove-shop houses, Brian Marchand makes the mortgage the easy part.
“Gloversville is the best renovation-loan market I work in. The houses are cheap and they all need something - that's exactly what a 203(k) is for.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Gloversville shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Fulton County - from first-time buyers in the city to investors buying multi-family near downtown.
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 lowest entry prices in the region, a mid-2% tax rate, and a housing stock that mostly predates the First World War.
Fulton County's effective rate runs about 2.06%. The county median value is $142,000, so the escrow line lands near $244 a month - the lowest of any market Brian works in.
The city is served by Gloversville Enlarged School District, with surrounding addresses falling toward Mayfield, Broadalbin-Perth or Johnstown. School levies typically drive 60% to 70% of a New York tax bill, so the district gets confirmed for the exact address.
A large share of the housing here predates 1940. FHA and VA appraisals follow minimum property standards, so peeling paint, unsafe rails, roof life and non-functional systems get flagged and become closing conditions. Where the work is real, an FHA 203(k) or HomeStyle renovation loan finances the purchase and the repairs in one closing.
Fulton County's largest city, built by the glove industry and full of substantial older homes at prices that surprise people. Twenty minutes from the Great Sacandaga Lake.
Neighborhoods & areas: Downtown Gloversville · Kingsboro · Mayfield line · Bleecker
Population is a 2020 U.S. Census figure for Gloversville. Home value, household income and the effective rate are Fulton 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 Fulton County median value of $142,000; 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.
Gloversville sits in Fulton County, where effective rates run about 2.06%. Against the county median value of $142,000 that is roughly $244 a month before principal and interest. STAR and veterans credits can reduce it.
The city is served by Gloversville Enlarged School District, with outlying addresses falling toward Mayfield, Broadalbin-Perth or Greater Johnstown. 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 Fulton 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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