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Harlem, Manhattan · New York

Harlem.

The lender who actually answers - and gets it closed. From co-ops to condos to multi-family across Manhattan, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
Brownstones & townhouses
Licensed across New York State
Your Harlem loan consultant

Home financing,
the way it should be

Buying in Harlem shouldn’t mean chasing a lender who never calls back. Brian Marchand helps buyers across Manhattan and all of New York, from first-time buyers to seasoned investors.

What clients say again and again is simple: he answers. Text him on a Saturday, call after hours, ask the "silly" first-timer question - you’ll get a real answer, quickly, in plain English.

And when a file is tricky, that’s exactly when Brian does his best work. Yes, when other lenders say no.

Brian Marchand, mortgage loan consultant serving Harlem, Manhattan NY
Getting to know Harlem

A snapshot of
Harlem

335,000Population
$780KMedian home value
$56KMedian household income
12%Homeownership rate

One- to four-family brownstones and modern condos. House-hack math, rehab plays and end-loan financing done right.

Neighborhoods & areas: Central Harlem · East Harlem · West Harlem

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

The real numbers

What it costs to buy
in Harlem

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

Example monthly payment
$780KMedian home price
→
~$4,559Est. per month*
  • Principal & interest$3,944
  • Property taxes (est.)$455
  • Homeowners insurance$160
  • Mortgage insurance (20% down)$0

*Illustration only - $780K price, 20% down ($156K), 30-yr fixed at a sample 6.5% rate. Co-ops and condos carry separate monthly maintenance / common charges not shown here. 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

New York City taxes 1–3 family homes at a relatively low effective rate - often 0.6%–0.9% of market value a year - far below the upstate average. On a $780K home that’s roughly $455/mo. Co-ops and condos are assessed differently and bundle taxes into monthly charges. The STAR and veterans’ exemptions can lower the bill further.

Schools

Harlem is served by NYC District 5 within NYC Public Schools. Attendance zones vary block by block, so it’s always worth confirming the exact zoned schools for a specific address.

What sells here

Brownstones & townhouses define the market here. Brian pairs the right program - conventional, FHA, VA, jumbo, co-op share, condo or SONYMA - to the property, not the other way around.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, co-op and condo financing, plus SONYMA first-time-buyer loans with down-payment assistance. First-time buyer in Manhattan? He’ll line up every credit you’re eligible for.

See loan programs →
In & around Harlem

Manhattan,
neighborhood by neighborhood

Type in your address to see the real driving distance and time from your doorstep to every Manhattan neighborhood Brian serves.

Drive times across Manhattan

Enter your address to see the real driving distance and time to every Manhattan neighborhood Brian serves.

Sorted by drive time - closest first. Tap a neighborhood to find it on the map.

Estimates via OpenStreetMap routing - typical driving times, not live traffic.