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Hudson, New York

Hudson, NY.

The lender who actually answers - and gets it closed. From first-time buyers to renovation files on 1800s Warren Street rowhouses, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
166+ five-star reviews
Local to Columbia County
Answers days, nights & weekends
Before you dig in — a word from Brian
“Hudson is the one market up here where the tax rate is low and the price is high. That flips which number you have to watch.”
Brian Marchand Brian MarchandSr. Loan Consultant · NMLS #481563
Your Hudson loan consultant

Home financing,
the way it should be

Buying or refinancing in Hudson shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Columbia County - from first-time buyers in Hudson and Greenport to weekenders financing a second home off Warren Street.

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, NY
What actually moves your number

Three things that decide
a Hudson payment

Columbia County carries the lowest effective tax rate of any county Brian serves. The prices are the highest. Both facts change your file.

A low rate on a high price

Columbia County's effective rate runs about 1.40% - lower than Albany, Rensselaer or Schenectady County. But the county median value is $347,100, well above the rest of upstate, so the dollar bill lands high anyway. The rate is not where your savings come from here.

Hudson City School District

The city is served by Hudson City School District, with surrounding addresses falling toward Greenport and Claverack. School levies typically drive 60% to 70% of a New York tax bill, so the district gets confirmed for the exact address before an offer goes out.

The housing stock is genuinely old

Much of Warren Street and the Union Street historic district predates 1900. Knob-and-tube wiring, original slate, and lead paint all show up in appraisals. FHA and VA follow minimum property standards, and a flagged condition becomes a closing condition - renovation financing often fits better than a standard loan.

Getting to know Hudson

A snapshot of
Hudson, NY

5,900Population
$347KCounty median home value
$82KCounty median household income
~1.40%Columbia County effective rate

A Hudson River city that turned into one of the Northeast's most in-demand small markets. Warren Street galleries and restaurants, Amtrak to Penn Station in about two hours, and a housing stock that is largely 19th-century.

Neighborhoods & areas: Warren Street · Union Street Historic District · Greenport

Population is a 2020 U.S. Census figure for Hudson. Home value, household income and the effective rate are Columbia 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

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
$347KCounty median home value
→
~$490Est. taxes + insurance / mo*
  • Property taxes at ~1.40% (est.)$405
  • Homeowners insurance$85
  • Principal & interestRun yours →

*Escrow illustration only. Taxes and insurance estimated against the Columbia County median value of $347,100; 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.

Run your own numbers → Get pre-approved

Property taxes

Hudson sits in Columbia County, where effective rates run about 1.40% - among the lowest of any county Brian serves. Against the county median value of $347,100 that is roughly $405 a month before principal and interest. STAR and veterans credits can reduce it.

School districts

The city is served by Hudson City School District, with nearby addresses falling toward Greenport or Claverack. 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 Columbia 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

Serving Hudson &
Columbia 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 mortgage
questions, answered

Is Hudson expensive compared with the rest of the Capital Region?+
Yes, and it is the one market up here where that is true by a wide margin. Columbia County's median home value runs about $347,100 - well above the rest of upstate New York. The offset is the tax rate: Columbia's effective rate is about 1.40%, among the lowest of any county Brian serves.
Can I finance a Warren Street building with an apartment above the storefront?+
Often yes, but the mix matters. A two- to four-unit residential building with an owner-occupied unit is standard financing. Once commercial square footage passes roughly 25% of the building, it stops being a residential loan and moves to a different program. Send the listing before you write the offer and Brian will tell you which bucket it falls in.
The house I want was built in 1870. Will that kill the loan?+
Not by itself. Age is not the problem - condition is. FHA and VA appraisals follow minimum property standards, so peeling paint, an unsafe stair rail, active roof leaks or non-functional systems get flagged and become conditions of closing. Where the work is real, an FHA 203(k) or HomeStyle renovation loan finances the purchase and the repairs together.
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?+
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 Columbia 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.