Brian Marchand, Homeowners Advantage, NMLS # 481563

Not all financial institutions offer the ability to float down your rate while keeping you protected from rate increases, but Homeowners Advantage does!

Recently, rates dipped, allowing me to save several customers over $100 a month by floating down their rates on loans in process.

When choosing a lender, one crucial question to ask is whether they offer float downs.

Call me for all your mortgage needs at (518)396-7392 - NMLS #481563.

My Realtor friend shared this advertising piece some months ago, and I'm only now truly grasping its significance. Since the 1990s, I've been deeply involved in the local real estate scene of the Capital Region. Over the years, I've had the privilege of facilitating the sale of hundreds of homes in the Capital District, and on the financing front, I've assisted thousands in achieving homeownership or improving their financial situation through refinancing. It's immensely gratifying to play a role in such pivotal life moments.

Experience is paramount when selecting a lender, and I believe I bring a unique advantage to the table. Having operated on both sides of the real estate transaction, I possess a comprehensive understanding of mortgage financing, enabling me to expertly guide my clients through any complexities they may encounter.

When you're ready to embark on your real estate journey, know that I'm just a phone call or text away at (518) 396-7392. Let's turn your real estate dreams into reality together!

What a way to kick off April! Let me help your and your family! Call/Text 518-396-7392

You’ve found the guy! 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 to Brian he got back to us in less than two days. Brian made us feel super comfortable throughout the entire process and his extensive knowledge ...

Proud to be a part of this team!

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The top residential mortgage lenders in the Albany region

🚨 Breaking news! 📰 Just in: the Fed meeting results and fresh guidance from Jerome Powell on future interest rates. Cutting to the chase, no interest rate cuts announced in this FOMC meeting; they'll hold steady between 5 to 5.5%. Powell's comments were quite intriguing. He hinted that a March rate cut, anticipated by many investors, isn't guaranteed. Decisions will be made meeting by meeting, keeping uncertainty in the air. ⚖️ Powell also cautioned against swift rate reductions, warning it could backtrack inflation progress, necessitating tighter policies to reach the 2% target. Yet, he emphasized the positive impact of a robust economy and a thriving labor market. The Fed is no longer concerned about these factors causing excessive demand and, consequently, more inflation. While the last six months of inflation data have been promising, they're adopting a wait-and-see approach, hoping for sustained stability before declaring the end of inflation. 📊🤞

IT'S BACK!!!! Call/Text 518-396-7392 for details!

🏦 Federal Reserve Update 📈

The Federal Reserve decided to keep interest rates steady at 5.25% to 5.5%

👉 No big surprise, as they've held rates steady before. 🚫

Despite high inflation, they're cautious about raising rates further and are watching how it affects the economy. 🧐

📊 They're keeping an eye on job data, inflation, and global events to decide on any future moves. 💲🌍

📉 The US job market added fewer jobs than expected in October, showing potential signs of a slowdown. 📈📉

🏠 New-home sales are up, but resales are low due to high mortgage rates and limited supply.

🏦 Mortgage rates are high at around 8%, which could slow down consumer spending and the economy. 🏠💰🚦

The Fed's next interest rate decision is in December ... Stay tuned!🤞

🚨 Alert, Mortgage Newbies! 🚨 A wild rollercoaster in the finance world is upon us! 🎢

Today, our dear rate sheets might get a 💥CRUSH💥! Why? The jobs report just came in with a whopping 336,000 new jobs in September, making our expected 170,000 look like peanuts! 🥳🥜 But, wait! There's more... This unexpected boom has our mortgage bonds doing a not-so-graceful belly flop. 📉💦

🕵️‍♂️ A quick nosy into the jobs data: with jobs pouring in (👷‍♂️336k!👷‍♀️) and last month’s numbers also getting a nice boost upwards, unemployment is steady at 3.8% and those wallets might get slightly heavier with a moderate wage rise! 📈💼 This isn't just good news for job seekers, it’s showing that the labor market isn’t loosening its grip anytime soon, and inflation might just keep its feet on the ground.

🔮 Prediction Time: Markets reckon there’s NO WAY the Fed's cutting rates while the job market and economy are sizzling like summer BBQs 🥩🔥, and that’s a bit of a party pooper for our rates.

We’ve seen bond yields soar 🚀 and the chit-chat is all about how a gentle economic landing seems more fantasy than reality, nudging us toward recession talks. 📉😬 Yields might keep puffing their chests out a tad longer, but fingers crossed 🤞, they (and mortgage rates) might simmer down back to what we saw last week...AFTER a wee bit more of a climb.

🌐 In a nutshell: While there’s no drastic change in outlook, Big job data = big reactions, and after this morning's turbulent bond activity, a bit of patience might see improvements. Let's let things settle, float into next week, eyeball that CPI inflation data on the 12th, and reassess then. 👓📅

Stick with me, team! 🤓🚀 We’ll navigate through this financial jungle together! 🌐🌿

📣 Hey mortgage fam! 🏡

So, Jerome Powell's about to talk at 10:05am ET from Jackson Hole, and the market's got its dancing shoes on. 🕺 Right now, mortgage bonds are feeling a bit under the weather 🌧️, meaning if we set rates this moment, they'd be like that leftover pizza - slightly worse than yesterday. 🍕 But, let's see if Powell's tunes change the vibe.

Long-term forecast? Don't expect a sunny rate beach day anytime soon. ☀️🏖️ There's a tiny glimmer of hope with next week's jobs data, but it's like hoping for a unicorn at this point. 🦄 And whispers in the alley? Another Fed rate hike in November. But it's still in the "maybe, maybe not" zone.

Remember, this ain't just about numbers. 💰 Stay groovy and keep laughing all the way to the bank! 😂

Brian (Your not-so-serious mortgage rockstar) 🎸🌟

Sometimes it's more than just mortgages! Got this email the other morning from a colleague ... couldn't of asked for a better way to start my day:

Good morning Brian,

Last night, I finally made it to S**C to see Matchbox 20. It was a 3 year wait, with the original date of the concert being in 2020, but due to COVID and scheduling, it finally happened here in 2023.

It was a great concert, lots of energy, and a fantastic time! But, the real highlight of the night, was when a random stranger found out I worked at Broadview / CAP COM. She came up to me, pulled me aside and wanted to tell me something. Her name is # # # # # from # # # # # . In 2020, she was going thru a difficult divorce, and needed a mortgage to keep her home. She applied EVERYWHERE, but only one place and one person gave her the loan. On 3 separate occasions she said “Brian gave me hope.” You were the only one that “saved her life.” She is forever and eternally grateful for how you came thru, and CAP COM / Broadview was the only place that believed in her. She still teaches in the # # # # # school district.

Brian, know that you have a devoted fan out in the world. She was gushing on and on about you! The phrase of “people helping people” is worth millions.

Well done Brian!

Another 5 Star Review!

Google review of Brian Marchand, Homeowners Advantage NMLS # 481563 by Kelsey Milner ★★★★★ "My partner and I just bought a house, and Brian was our mortgage specialist. At our first meeting, Brian walked us through the mortgage process and our options in-depth. He answered all of our many questions and was readily available to help throughout the whole process. This was ou...

Excited to be the featured Mortgage Loan Originator in this months issue of Top Agent Magazine (New York). I've been involved in the Capital Region's real estate market since the early 1990's and will be for many years to come! I want to thank my family, past customers/clients and the wonderful people that I get to work with day in and day out! Spring Market is FINALLY here ... Call/Text me today @ 518.396.7392

Besties 2023: People & Places - Capital Region Living Magazine Introducing the winners of the 2023 Bestie Awards for the people and places categories.

Another 5 Star Review ... love my borrowers and am blessed to have such a wonderful career! Spring Market is right around the corner ... reach out to get pre-qualified today! Call/Text Brian @ 518.396.7392

Real Estate Market is on FIRE! 🔥 I knew as soon as we got down to Florida things would heat up on all levels! Lol! Busiest week of doing mortgages I’ve had in over a year! To all my fellow mortgage and Realtor friends who are grinding it out … I’m glad my going on vacation sparked our business even more than it has been! Keep it going! 💪

If you're a buyer in this market credit score is a huge part in the overall qualification of a borrower. So important to play the credit game to your advantage. Call me to discuss your situation and how I can help! Spring market is right around the corner! Don't Wait ... Call/Text Today ... 518-396-7392

Was invited to speak at a homebuyers seminar this evening! Had a wonderful turnout with some really engaging people and some great guest speakers! Thank you Joe & Christine Frith of Coldwell Baker Prime Properties for the invite! Great way to kick off 2023! 💪 Buyers are just as excited about the mortgages and real estate as we are … call me anytime at 518-396-7392 if you’re ready to hit the market!

Some good stats from my friends at GCAR

The Capital Region’s 2022 real estate market was a year of ups and downs, including interest rates, inflation, and sales prices, and the downs marking inventory, housing affordability, and days on the market.

View the complete December 2022 market report here: https://gcar.com/market-stats/

Anyone who’s going to purchase a home … things to consider! Call me anytime @ 518-396-7392 to chat about credit or so I can get you pre-qualified!

Another 5 Star Review!

Google review of Brian Marchand, Homeowners Advantage NMLS # 481563 by Gerard Leclair ★★★★★ "The best experience possible, Brian has supported us through two mortgages now."

Happy Holiday’s from The Marchand’s

Another great Zillow Review! If you're in the market to purchase a home I'd love to help you with your mortgage needs!
Call/Text today @ (518) 396-7392!

Great to work with! Brian was great to work with! He was very personable and helpful. He always communicated and was there whenever we needed him! He was upfront with all the costs and was extremely accurate.

Another 5 Star Review! Call/Text anytime @ 518-396-7392 so I can help with all of your mortgage needs!

A picture of myself and my fellow Homeowners Advantage Loan Officers at the Capital Region REAL Producers Fall 2022 VIP Party! Great night being able to unwind a bit and talk to so many great Realtors and professionals!

I'm posting this tonight because I was looking back over some old marketing pieces and websites that I had when I was a Realtor and I'm so proud of what I've accomplished in my career. I love being a mortgage lender and wouldn't change it for anything; but I'm also proud of my past career. I was a real estate broker which supports my work now.

If you're seeking a mortgage lender, you want to work with a trusted and well-versed professional. I've sold hundreds of homes in my time as a real estate broker. It helps me today because I know the 'ins and outs' of real estate. That's what sets me apart! And for my current real estate broker friends ... you have a trusted partner in me because I know how hard you work and what it takes to get the job done right! For all of your mortgage needs please reach out ... I would love to hear from you!

Great customer service Brian and the Capcom (now Broadview) team have supported my husband and I through two house purchases over the past few years. Brian is always quick to respond and has been super helpful when answering all of our questions. We never had to worry about processes being delayed and we were always kept....

Thank you to all of our COMMUNITY HEROES! 👏

Call today for further details!