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Stillwater, New York

Mortgage lender
in Stillwater, 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 Stillwater loan consultant

Home financing,
the way it should be

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

What Stillwater 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 Stillwater, NY
Why Stillwater 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

Stillwater 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 Stillwater

A snapshot of
Stillwater, NY

8,300Population
$295KMedian home value
$85KMedian household income
72%Homeownership rate

Home to Saratoga National Historical Park, Stillwater mixes rural acreage with riverside neighborhoods along the Hudson.

Neighborhoods & areas: Stillwater village · Bemis Heights · Hudson riverfront

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

The real numbers

What it costs to buy
in Stillwater

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
$295KMedian home price
→
~$2,200Est. per month*
  • Principal & interest$1,680
  • Property taxes (est.)$380
  • Homeowners insurance$70
  • Mortgage insurance (10% down)$90

*Illustration only - $295K price, 10% down ($29,500), 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

Saratoga County runs among the lower effective property-tax rates in the Capital Region - roughly 1.4%–1.7% of value a year. On a $295K home that's about $344–$418/mo. Your exact bill depends on the school district and exemptions like STAR and veterans' credits.

School districts

Stillwater is served primarily by the Stillwater Central 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 & USDA (much of Stillwater qualifies for USDA), 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 Capital Region clients

Real buyers.
Real results.

★★★★★
Words cannot measure our excitement. Brian Marchand is always on top of everything, all step-by-step. He is always a phone call and a text ahead, and he doesn't waste time to respond.
AAmara O.
Saratoga County, NY
★★★★★
Brian was so helpful and answered all our questions so quickly! He made himself available at any time of the day. Truly a pleasure to work with!
GGabby M.
Saratoga County, NY
★★★★★
Brian did an exceptional job with two of my most recent clients. His communication, attention to detail and client service is second to none. I highly recommend Brian.
JJoe F.
Saratoga County, NY
★★★★★
Brian was attentive, willing to answer all questions and helped us with the VA loan. Would definitely recommend - thank you for your help, Brian!
CCarolyn S.
Saratoga County, NY

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

In & around Stillwater

Saratoga 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

Stillwater mortgage
questions, answered

Do you work with first-time home buyers in Stillwater?+
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 Stillwater 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 Stillwater 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 Stillwater 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.