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Schenectady, New York

Mortgage lender
in Schenectady, NY.

The lender who actually answers - and gets it closed. From first-time buyers to refinances across the Capital Region, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
200+ five-star reviews
Local to the Capital Region
Answers days, nights & weekends
Your Schenectady loan consultant

Home financing,
the way it should be

Buying or refinancing a home in Schenectady shouldn't mean chasing down a lender who never calls back. Brian Marchand has spent years helping buyers across Schenectady County and the wider Capital Region - from first-time buyers to homeowners refinancing.

What Schenectady clients say again and again is simple: he answers. Text him on a Saturday, call him 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 Schenectady, NY
Why Schenectady 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

Schenectady 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 Schenectady

A snapshot of
Schenectady, NY

67,000Population
$185KMedian home value
$49KMedian household income
52%Homeownership rate

The “City that Lights the World,” home to GE, Union College and the revitalized Proctors district. Its historic Stockade - one of the nation’s oldest neighborhoods - sits near affordable homes drawing first-time buyers.

Neighborhoods & areas: Stockade · Upper Union St · Bellevue · Woodlawn

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

The real numbers

What it costs to buy
in Schenectady

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
$185KMedian home price
→
~$1,600Est. per month*
  • Principal & interest$1,050
  • Property taxes (est.)$420
  • Homeowners insurance$50
  • Mortgage insurance (10% down)$60

*Illustration only - $185K price, 10% down ($18,500), 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

Schenectady County runs among the higher effective property-tax rates in the region - roughly 2.4%–3.0% of value a year. On a $185K home that's about $370–$463/mo. Your exact bill depends on the school district and exemptions like STAR and veterans' credits.

School districts

Schenectady is served primarily by the Schenectady City School District. 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 Schenectady 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 Schenectady clients

Real Schenectady buyers.
Real results.

★★★★★
Brian is amazing! He's a great communicator and makes himself available. Every time I reached out, he'd answer or call me right back.
AAnne M. B.
Schenectady, NY · Real estate partner
★★★★★
Great communication, and felt like they were family - making sure we were all doing good. You don't see that very often.
BBryan C.
Schenectady, NY
★★★★★
Always on top of everything, step by step. He's always a phone call and a text ahead, and he doesn't waste time to respond.
AAmara O.
Schenectady, NY · Zillow
★★★★★
Super knowledgeable, and always answered my questions quickly. He got me a great rate and made my home purchase a smooth and easy process!
KKristyn K-S.
Schenectady, NY · Zillow
★★★★★
A great experience for the first time buying a house. Great personality and he knows his stuff. Brian makes you feel at ease.
JJ. Mink
Schenectady, NY · Zillow
★★★★★
Worked with Brian in the past at another institution and it was a great experience. That's the reason I continued to work with him now.
TTimothy C.
Schenectady, NY

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

In & around Schenectady

Schenectady County,
town by town

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

Schenectady mortgage
questions, answered

Do you work with first-time home buyers in Schenectady?+
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. Many Schenectady first-timers say he made a nerve-wracking process feel easy.
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 Schenectady 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 Schenectady home?+
Yes. Whether you're lowering your rate, tapping equity, or getting out of a bad experience with another lender, Brian handles Capital Region 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.