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Halfmoon, New York

Mortgage lender
in Halfmoon, NY.

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

5.0★ average rating
200+ five-star reviews
Local to Saratoga County
Answers days, nights & weekends
Your Halfmoon loan consultant

Home financing,
the way it should be

Every Halfmoon 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 Saratoga County market street by street.

Clients across Saratoga 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 Halfmoon or nearby Saratoga Springs, you'll always know exactly what's next. That's the difference.

Brian Marchand, mortgage loan consultant serving Halfmoon, NY
Why Halfmoon buyers choose Brian

Three things you'll
notice right away

He actually answers

Calls, texts and emails returned quickly - including nights and weekends when you're touring homes and offers move fast.

Closes on time

Halfmoon clients routinely close smoothly - some ahead of schedule. Brian stays on top of every step so nothing stalls at the finish line.

Explains everything

First mortgage? No problem. Brian walks you through every option and number in plain terms, so you always know exactly what's next.

Getting to know Halfmoon

A snapshot of
Halfmoon, NY

25,000Population
$345KMedian home value
$103KMedian household income
81%Homeownership rate

One of the county’s fastest-growing towns, prized for its central location where the Northway, Hudson and Mohawk meet. New subdivisions and strong schools drive steady buyer demand.

Neighborhoods & areas: Clifton Park border · Crescent · Waterford edge

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

The real numbers

What it costs to buy
in Halfmoon

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
$345KMedian home price
→
~$2,600Est. per month*
  • Principal & interest$1,960
  • Property taxes (est.)$450
  • Homeowners insurance$90
  • Mortgage insurance (10% down)$100

*Illustration only - $345K price, 10% down ($34,500), 30-yr fixed at a sample 6.5% rate. 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

Saratoga County runs among the lower effective property-tax rates in the Capital Region - roughly 1.4%–1.7% of value a year. On a $345K home that's about $402–$489/mo. Your exact bill depends on the school district and exemptions like STAR and veterans' credits.

School districts

Halfmoon is served primarily by the Shenendehowa & Waterford-Halfmoon districts. The district drives a big part of your tax bill, so it's always worth confirming the exact lines for a specific address.

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 Saratoga 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 Saratoga County clients

Real buyers.
Real results.

★★★★★
They stayed on top of the contract the whole time and took care of all the financing. Any questions I had were answered within a short time.
DDavid W.
Verified client · experience.com
★★★★★
Answered every question, was available at any time, explained everything, and worked around our anxiety. Truly a five-star experience.
YYolanda S.
Verified client · Google
★★★★★
Brian was an absolute pleasure to work with. Super responsive, knowledgeable and compassionate. Thanks for all your help!
SSerena F.
Verified client · Zillow

Verified reviews from Google & Zillow · See all 200+ reviews →

In & around Halfmoon

Serving Halfmoon &
Saratoga 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

Halfmoon mortgage
questions, answered

Do you work with first-time home buyers in Halfmoon?+
Absolutely - first-time buyers are a big part of who Brian helps. He'll walk you through pre-approval, your loan options and every number in plain English, and he's known for patiently answering questions no matter how small.
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. A strong pre-approval lets you shop with confidence and make competitive offers in the Halfmoon market.
What types of loans do you offer?+
Conventional, FHA, VA, USDA, jumbo, renovation loans and more - plus refinances. If you've been told "no" elsewhere or have a file that doesn't fit the usual box, that's exactly where Brian shines. See the full lineup on the Loan Programs page.
Can I refinance my Halfmoon home?+
Yes. Whether you're lowering your rate, tapping equity, or getting out of a bad experience with another lender, Brian handles Saratoga County refinances start to finish. Try the Is a Refi Worth It? tool to see if the numbers make sense for you.
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.