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Waterford, New York

Mortgage lender
in Waterford, 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 Waterford loan consultant

Home financing,
the way it should be

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

Waterford 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 Waterford

A snapshot of
Waterford, NY

8,300Population
$255KMedian home value
$72KMedian household income
60%Homeownership rate

The birthplace of the Erie Canal, where the Mohawk meets the Hudson - a walkable village with riverside parks minutes from Saratoga and Waterford.

Neighborhoods & areas: Waterford village · Erie Canal waterfront · Halfmoon line

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

The real numbers

What it costs to buy
in Waterford

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
$255KMedian home price
→
~$1,900Est. per month*
  • Principal & interest$1,450
  • Property taxes (est.)$330
  • Homeowners insurance$60
  • Mortgage insurance (10% down)$80

*Illustration only - $255K price, 10% down ($25,500), 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 $255K home that's about $297–$361/mo. Your exact bill depends on the school district and exemptions like STAR and veterans' credits.

School districts

Waterford is served primarily by the Waterford-Halfmoon Union Free 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 Saratoga 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 Capital Region clients

Real buyers.
Real results.

★★★★★
Brian and his team were amazing to work with - very communicative, clearly knowledgeable, and made the process so much less stressful than it could have been.
BBrandon W.
Saratoga County, NY
★★★★★
I can't recommend Brian enough! From pre-approval to finalizing our mortgage, Brian consistently made us feel like a priority. Every time we reached out he got back to us in less than two days.
CCaitlin
Saratoga County, NY
★★★★★
As first time home buyers, we were lucky to work with Brian. He is extremely knowledgeable, and a great person to guide your home buying process.
JJeremy G.
Saratoga County, NY
★★★★★
Brian was absolutely wonderful to work with. He was personable and extremely knowledgeable, and made himself available to answer all of our questions no matter when.
MMeaghan S.
Saratoga County, NY

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

In & around Waterford

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

Waterford mortgage
questions, answered

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