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Hudson Falls & Fort Edward, New York

Hudson Falls & Fort Edward, NY.

The lender who actually answers - and gets it closed. From first-time buyers in the villages to canal-side homes along the Champlain, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
166+ five-star reviews
Local to Washington County
Answers days, nights & weekends
Before you dig in — a word from Brian
“Hudson Falls and Fort Edward are the value play next to Glens Falls. Same amenities, lower price, and a tax rate that runs above Warren County's - so we check both sides of the river.”
Brian Marchand Brian MarchandSr. Loan Consultant · NMLS #481563
Your Hudson Falls & Fort Edward loan consultant

Home financing,
the way it should be

Buying or refinancing in Hudson Falls or Fort Edward shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Washington County - from first-time buyers in the villages to move-up families in Kingsbury and out toward Moreau.

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.

Brian Marchand, mortgage loan consultant serving Hudson Falls & Fort Edward, NY
What actually moves your number

Three things that decide
a Hudson Falls & Fort Edward payment

Two adjacent villages, two separate districts, and a county line that changes your tax rate by half a point.

The county line matters here

Washington County's effective rate runs about 2.01%, and Warren County just across the river collects at a lower rate against higher values. Hudson Falls and Fort Edward sit on the Washington side, where the county median value is $176,900.

Two villages, two districts

Hudson Falls is served by Hudson Falls CSD and Fort Edward by Fort Edward Union Free School District - two separate levies a couple of miles apart. School taxes typically drive 60% to 70% of a New York bill, so that gap shows up monthly.

Well and septic outside the villages

Away from the village sewer lines, private well and septic are the norm. FHA, VA and USDA loans require water potability testing and septic clearance before closing, and a failed test turns into a repair condition on a deadline. Order those inspections early, not in week four.

Getting to know Hudson Falls & Fort Edward

A snapshot of
Hudson Falls & Fort Edward, NY

13,400Population
$177KCounty median home value
$69KCounty median household income
~2.01%Washington County effective rate

Two adjoining villages on the Hudson and the Champlain Canal, minutes from Glens Falls and its hospital and amenities, at noticeably lower prices.

Neighborhoods & areas: Hudson Falls village · Fort Edward village · Kingsbury · Moreau line

Population is a 2020 U.S. Census figure for Hudson Falls & Fort Edward. Home value, household income and the effective rate are Washington County U.S. Census / ACS estimates; town, village and school district figures vary. For general reference only.

The real numbers

What it costs to buy
in Hudson Falls & Fort Edward

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

What the escrow line looks like
$177KCounty median home value
~$371Est. taxes + insurance / mo*
  • Property taxes at ~2.01% (est.)$296
  • Homeowners insurance$75
  • Principal & interestRun yours →

*Escrow illustration only. Taxes and insurance estimated against the Washington County median value of $176,900; 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.

Property taxes

Hudson Falls and Fort Edward sit in Washington County, where effective rates run about 2.01%. Against the county median value of $176,900 that is roughly $296 a month before principal and interest. STAR and veterans credits can reduce it.

School districts

Hudson Falls is served by Hudson Falls Central School District and Fort Edward by Fort Edward Union Free School District, with outlying addresses falling toward South Glens Falls. 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.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA across much of Washington 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 upstate New York 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 · See all 166+ reviews →

In & around Hudson Falls & Fort Edward

Serving Hudson Falls & Fort Edward &
Washington 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

Hudson Falls & Fort Edward mortgage
questions, answered

Should I buy on the Washington County side or the Warren County side?+
It is a real question here, because the river is a tax boundary. Washington County's effective rate runs about 2.01%, and Warren County collects at a lower rate against higher values. Washington County prices are lower, so the monthly comparison depends on the specific house rather than the county alone. Brian runs both sides before you write an offer - see the Glens Falls page for the Warren County side.
Which school district am I in?+
It depends on the address, and the two villages are close enough that buyers assume wrong. Hudson Falls CSD and Fort Edward Union Free School District are separate districts with separate levies, and since school taxes typically drive 60% to 70% of a New York bill, the difference is monthly money. The district gets confirmed for the exact address before an offer goes out.
Is USDA available around Hudson Falls?+
In much of the surrounding countryside, yes. USDA is a zero-down program and Washington County has broad eligibility outside the village cores. Between USDA, zero-down VA and SONYMA down payment assistance, a buyer here often needs far less cash than they expect.
Why is the tax figure on the listing different from what my lender used?+
Listings often show the seller's bill, which may include a STAR, Enhanced STAR or veterans exemption that doesn't transfer to you. Underwriting qualifies you on the forward-looking figure.
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.
What loan programs work best in Hudson Falls and Fort Edward?+
Conventional 3% and 5% down, FHA at 3.5%, zero-down VA, and SONYMA first-time-buyer loans with down payment assistance all get used here. USDA zero-down reaches across much of Washington County, which surprises most buyers. See the full lineup on the Loan Programs page.
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.