Brian Marchand

Mortgage Lending for the
Straightforward
— and the Not-So-Straightforward

Senior Loan Consultant with New American Funding.
In Capital Region real estate since 1993.
Sold more than 1,000 homes as a Realtor
before moving into mortgage lending.

When the file gets complicated, that's when I go to work.

Book a Call w/ Brian → or call/text 518-396-7392
Prefer to start online? Get pre-approved · Soft credit check · Won't affect your score ?Not sure which loan is yours?Five questions, no credit pull — I'll tell you what you qualify for.→
FHA scores as low as 500 on eligible files Win with a cash offer - NAF Cash Turn strong assets into income Bank-statement loans Self-employed welcome Buy & renovate in one closing & much more - see all programs
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Brian Marchand, Senior Loan Consultant at New American Funding in Albany, New York
Brian Marchand
Sr. Loan Consultant, New American Funding · NMLS #481563 · Albany
Let's connect on social
30+ yrs
Industry experience
★★★★★★★★★★
Tons of 5-star reviews
30 days
Closings in as few as 30 days
Quick Start

Get a straight answer.

Tell me who you are and what you're working on. I'll call or text you back, usually the same business day. No credit pull, no obligation.

Rather talk now? Call or text 518-396-7392

Not a loan application or a commitment to lend.

Got it. Thank you!

I'll reach out shortly. Need me sooner? Call or text 518-396-7392.

Before you let anyone pull your credit

Call Brian first - one conversation can save you thousands.

The order you do things matters. Before you apply with multiple lenders or make a big move with your credit - especially a HARD INQUIRY - talk to me BEFORE anyone runs your report. We'll map out which programs may fit and the smartest way to approach your financing. Five free minutes now can save real headaches later.

Call or text first → 518-396-7392 See the credit game plan →

Both sides of the deal

A former Realtor turned lender - I see your transaction the way agents and buyers actually live it.

Financing for tough situations

FHA financing with credit scores as low as 500 on eligible files — 3.5% down at 580+, 10% down below that — plus DSCR, renovation, construction, bank-statement and asset-depletion programs.

Fast, straight answers

Call or text and reach a person - clear pre-approvals and no runaround when the clock matters.

The strength of NAF

Backed by New American Funding - a full menu of products and the muscle to fund them.

What people say

Trusted at the closing table

Hundreds of homebuyers, homeowners and real estate partners have trusted Brian to get them home.

Read more reviews →
Real people · real closings

Yes - when other
lenders said no.

Behind every five-star review is a real New York family who got to the closing table. A few of their stories:

Fast close · Troy, NY

In her new home in under 30 days

"Brian went above and beyond with his team to get me in my new home in less than 30 days!"

- Tashona J., Troy, NY
Read story →
Second chance · Glens Falls, NY

Approved after being turned down

"The NAF team worked with me in spite of hurdles to get my loan approved."

- Ruben H., Glens Falls, NY
Read story →
Refinance · Nassau, NY

Easiest refi ever, closed in 31 days

"After a terrible experience with another credit union, Brian really helped us out. Signing papers in 31 days!"

- Melissa G., Nassau, NY
Read story →
Read all success stories →
Brian Marchand, Senior Loan Consultant at New American Funding in Albany, New York

About Brian Marchand

Brian Marchand is a Senior Loan Consultant with New American Funding who has been involved in Capital Region real estate since 1993.

Before moving into mortgage lending he sold more than 1,000 homes as a Realtor — which is why he spots problems in a deal early and structures around them before they reach the closing table.

NMLS #481563Licensed in New York StateAlbany, NY · 11 counties169 verified reviews
Brian MarchandAbout BrianFull profile & credentialsMeet Brian → 169verified reviewsReviewsWhat clients and agents sayRead them → Realclosings, real familiesSuccess StoriesTight timelines and second chancesSee the stories → Penny in her New American Funding jerseyPenny’s CornerChief Belly-Rub OfficerSay hi to Penny → IGOTU wristbandsIGOTU®A message of hope, in honor of JohnRead the story →
Simple from the start

How it works

01

Say hello

A quick call or text. Tell me your goal - buying, refinancing or investing.

02

Get pre-approved

We dig into the numbers and get you a real, fully underwritten pre-approval - not just my opinion! - so you can shop with total confidence.

03

Find your loan

I match you to the program that fits - and structure it to actually close.

04

Close & celebrate

One loan, one closing, keys in hand. I'm with you through every signature.

When the old rules say no

Your income is real.
Let's document it differently.

Non-QM Programs — alternative income and qualification options beyond traditional agency underwriting.

Self-employed, an investor, or asset-rich but “income-light” on paper? My portfolio programs qualify you on your bank deposits, your assets, or the property's own cash flow - not just tax returns and pay stubs.

Bank Statement 1-Year Tax Return Asset Utilization DSCR 1099 & P&L ITIN & Foreign National
Explore Non-QM programs →
The full menu

Every loan program, one place.

There is no single right mortgage — there is the one that fits your income, your credit, and the house you actually want. Here is everything I can put to work for you.

The standards

Bigger, second & equity

Income that looks different

Build & renovate

Get organized

Not sure which one is yours?Answer five questions and I'll tell you which programs you actually qualify for — and what to fix first if you don't yet.

Find my loan →
Not every file is standard

Life happens. The mortgage should still work.

Divorce, bankruptcy, gift funds, a co-signing parent — each has its own rulebook across FHA, VA, Conventional, USDA, and Non-QM. I break down exactly what applies to you.

First-Time Buyers Credit Challenges Divorce Mortgages Buying After Bankruptcy Buying After Foreclosure Gift Funds Buying Before Selling Co-Signing Parent Support & Alimony Income

See all Special Situations →

Free, no form, no credit pull

Tools worth using before we talk.

Calculators, checklists, a credit game plan, equity tracking, the newsletter and the video library - all in one place.

Payment CalculatorReal numbers with taxes and insurance, not a teaser payment. Is a Refi Worth It?Drag in today's rate and see whether it actually pencils out. Credit Game PlanA mapped path to the next score tier, in payoff order. Docs in a RowExactly what underwriting asks for, by income type. The 10 Don'tsThe moves that kill an approved loan before closing. Homebot Equity TrackingA monthly read on what your home is doing for you.
See all tools & resources →
Learn

Straight answers, no sign-up.

The blog, the Sunday Spotlight, the Q&A library, videos and workshops — scroll through a sample of each.

Live Workshops

Homebuyer classes & events

New workshops are coming soon. Get on the list and you’ll hear about dates first.

Join the events list →
New York's Capital Region

Your local lender,
across the Capital Region.

From Albany to Lake George and every town in between - Brian's the lender who actually answers. Each town has its own page with local prices, taxes, school districts and low-down programs.

5.0★ average rating 169 verified reviews Serving 11 counties
Albany Troy Schenectady Saratoga Springs Glens Falls Clifton Park + every town →
Explore the Capital Region →
The basics

Questions, answered

Who is Brian Marchand?+
Brian Marchand is a Senior Loan Consultant at New American Funding (NMLS #481563) serving Albany and New York's Capital Region. He specializes in FHA, VA, USDA, SONYMA, DSCR, bank-statement and renovation financing, and in files other lenders have already turned down.
What areas does Brian serve?+
Eleven counties — Albany, Saratoga, Rensselaer, Schenectady, Warren, Washington, Columbia, Montgomery, Fulton, Greene and Schoharie. The town-by-town list is on the Areas Served page. He is licensed across all of New York State.
What loan programs does Brian offer?+
Conventional, FHA, VA, USDA, SONYMA with down payment assistance, jumbo, renovation, new construction, land, reverse, HELOC, and the full Non-QM shelf including bank-statement, DSCR, asset-depletion, ITIN and foreign national.
Does Brian help borrowers turned down by other lenders?+
Yes, and it is a large share of the business. A no from a lender usually means that lender ran out of programs, not that the file cannot be done. Bring the denial and we will look at what else fits.
How do I contact Brian Marchand?+
Call or text 518-396-7392, email brian.marchand@nafinc.com, or book a time directly on his calendar. Nights and weekends included — homes and offers do not wait for business hours.

More answers: all 500+ mortgage questions, answered →

Our Local Office

Right here in Albany.

Call or text(518) 396-7392
Office18 Computer Dr E, Suite 103
Albany, NY 12205
Send a message → All the ways to reach me
New American Funding — Albany18 Computer Dr E, Suite 103, Albany, NY 12205
Get directions →
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