Before you dig in — a word from Brian
“Halfmoon is where people discover the county line is worth something - same commute, different market entirely.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From new construction off Route 146 to riverfront homes near the Crescent bridge, Brian Marchand makes the mortgage the easy part.
“Halfmoon is where people discover the county line is worth something - same commute, different market entirely.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Halfmoon shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Saratoga County - new construction buyers, first-time buyers, and families crossing the river out of Albany County.
The two things that decide files here are the school district your address lands in and, near the rivers, the flood determination.
Been told “no” somewhere else? That’s exactly where Brian goes to work. Yes, when other lenders say no.
A county line that saves you money, three districts reaching into one town, and two rivers that put some addresses in a flood hazard area.
Addresses near the Hudson and the Mohawk can fall inside a FEMA special flood hazard area, where flood insurance is required for the life of the loan and the premium counts in your debt-to-income. The determination gets pulled in week one.
One of the fastest-growing towns in the region - new subdivisions off Route 146, easy Northway access, and shoreline where the Mohawk meets the Hudson.
Neighborhoods & areas: Clifton Park line · Crescent · Route 146 corridor · Waterford side · Mechanicville side
Population is a U.S. Census figure for Halfmoon. USDA eligibility is set by address and the maps change. For general reference only.
The school districts, the programs that can shrink your out-of-pocket, and the details worth handling before you make an offer.
Halfmoon is split among Shenendehowa, Waterford-Halfmoon and Mechanicville.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, construction-to-permanent financing for new builds, 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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