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Stillwater, New York

Stillwater, NY.

The lender who actually answers - and gets it closed. From riverfront homes on Route 4 to properties with acreage toward Saratoga Lake, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
166+ five-star reviews
Local to Saratoga County
Answers days, nights & weekends
Before you dig in — a word from Brian
“Stillwater is one of the few places left where you can get land, a short commute and zero down in the same purchase.”
Brian Marchand Brian MarchandSr. Loan Consultant · NMLS #481563
Your Stillwater loan consultant

Home financing,
the way it should be

Buying or refinancing in Stillwater shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Saratoga County - first-time buyers using USDA zero-down, families buying with acreage, and riverfront buyers who need the flood picture handled early.

Out here the file usually turns on three things: USDA eligibility, well and septic clearance, and the flood determination near the river.

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 Stillwater, NY
What actually moves your number

What decides
a Stillwater payment

What actually decides your payment here, in plain language.

Land, wells and the river

Acreage affects the appraisal more than the loan, and private well and septic are common - FHA, VA and USDA all require water testing and septic clearance. Riverfront addresses may also need a flood determination and insurance.

Getting to know Stillwater

A snapshot of
Stillwater, NY

8,800Population
Yes — mostUSDA zero-down

A Hudson River town between Mechanicville and Schuylerville - the Saratoga battlefield, riverfront on Route 4, and open land toward Saratoga Lake.

Neighborhoods & areas: Stillwater village · Riverside · Saratoga Lake side · Route 4 corridor · Schuylerville line

Population is a U.S. Census figure for Stillwater. USDA eligibility is set by address and the maps change. For general reference only.

Worth knowing

What to know about
buying in Stillwater

The school districts, the programs that can shrink your out-of-pocket, and the details worth handling before you make an offer.

School districts

Stillwater Central School District covers most of the town, with some addresses toward Mechanicville, Schuylerville or Shenendehowa.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, USDA zero-down across much of the town, 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 Stillwater

Serving Stillwater &
Saratoga 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

Stillwater mortgage
questions, answered

Can I buy in Stillwater with no money down?+
In much of the town, yes. USDA eligible territory covers a good deal of Stillwater, and USDA is a true zero-down program with no conventional-style monthly mortgage insurance. Eligibility is by address and the maps change, so the property gets checked. Veterans have zero-down VA anywhere.
I'm buying a house on several acres. Any complications?+
It affects the appraisal more than the loan. Conventional financing gives limited value to acreage beyond the homesite and outbuildings may not be treated as contributory, so the appraiser needs comparable sales with similar land. Where the land is the point of the purchase, a land or lot loan sometimes fits better.
What do I need to know about well and septic here?+
They are common outside the village. FHA, VA and USDA require water potability testing and septic clearance before closing, and a failed test becomes a repair condition on a deadline - so those inspections get ordered early in the contract period.
Do I need flood insurance on a riverfront property?+
Possibly. Properties along the Hudson can fall inside a FEMA special flood hazard area, and where they do the lender requires flood insurance for the life of the loan. The premium counts in your debt-to-income, so the determination comes early.
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.

More answers: all 58 questions on buying in the Capital Region →