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Troy, New York

Mortgage lender
in Troy, 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 Troy loan consultant

Home financing,
the way it should be

Buying or refinancing a home in Troy 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 Troy 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 Troy, NY
Why Troy 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

Troy 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 Troy

A snapshot of
Troy, NY

50,000Population
$225KMedian home value
$52KMedian household income
42%Homeownership rate

A Hudson-riverfront city famed for its intact Victorian architecture, RPI and a nationally known downtown farmers market. Rowhouses, lofts and up-and-coming neighborhoods draw students, professionals and investors alike.

Neighborhoods & areas: Little Italy · Washington Park · Lansingburgh · Sycaway

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

The real numbers

What it costs to buy
in Troy

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
$225KMedian home price
→
~$1,850Est. per month*
  • Principal & interest$1,280
  • Property taxes (est.)$430
  • Homeowners insurance$60
  • Mortgage insurance (10% down)$70

*Illustration only - $225K price, 10% down ($22,500), 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

Rensselaer County runs on the higher side of property-tax rates for the region - roughly 2.0%–2.6% of value a year. On a $225K home that's about $375–$488/mo. Your exact bill depends on the school district and exemptions like STAR and veterans' credits.

School districts

Troy is served primarily by the Troy City & Lansingburgh districts. 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 Rensselaer 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 Troy clients

Real Troy buyers.
Real results.

★★★★★
Personable, knowledgeable and incredibly kind. Getting a mortgage as a first-time buyer was a bit scary, but from the first phone call, I knew I was in good hands.
SSierra P.
Troy, NY · Zillow
★★★★★
Brian went above and beyond to make sure the loan was processed quickly. He was always available to answer questions. This is the second home we've purchased with him. Highly recommend!
RRachel I.
Troy, NY · Zillow
★★★★★
Brian went above and beyond with his team to get me in my new home in less than 30 days. When he said 'I got u,' he really did.
TTashona J.
Troy, NY
★★★★★
Extremely helpful, knowledgeable, patient and always responded quickly, thoroughly and accurately to all questions. He made the entire experience so easy.
DDebbie V.
Troy, NY · Zillow
★★★★★
Brian is always ready to help my clients and give us top-notch service. His many years of mortgage knowledge ensures we get the deal closed.
TToni M. S.
Troy, NY · Real estate partner
★★★★★
I spent a lot of time trying to find a decent lender and received several outrageous offers. Then I called Brian - he made sure I was taken care of.
TThony
Troy, NY · Zillow

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

In & around Troy

Rensselaer 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

Troy mortgage
questions, answered

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