Brian Marchand · Sr. Loan Consultant

Home financing
that actually closes.

I know real estate from both sides of the transaction - and I get deals to the closing table. Yes - when other lenders say no.

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
Approvals down to a 500 FICO 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
New Issue
Sunday Edition · Capital Region
Sunday
Spotlight.
The summer window is open.
Read this week's issue →
Brian Marchand
Brian Marchand
Sr. Loan Consultant · NMLS #481563
Book a Call w/ Brian →
Let's connect on social
Thousands
Families served
★★★★★★★★★★
All 5-star reviews
0
Under 30-day close
Before you let anyone pull your credit

Call Brian first - one conversation can save you thousands.

A credit pull at the wrong moment, or by the wrong lender - especially a HARD INQUIRY - can quietly cost you the rate, the program, even the house. Talk to me BEFORE anyone runs your report, and we'll map the smartest move first. Five free minutes now beats a five-figure mistake 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.

Loans others can't

FHA to 500, 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.

A word from Brian

From my family to yours.

Brian MarchandSr. Loan Consultant · NMLS #481563 · Powered by New American Funding
Brian Marchand with his four sons
Brian & His Boys
John, Chris, Ethan & Nick
Video coming soon
Brian and his wife JenBrian & Jen
Brian and his dog PennyBrian & his girl Penny
Brian Marchand with his dog Penny
NMLS
#481563Individual
Meet Brian

Brian Marchand

FORMER REALTOR · NOW YOUR MORTGAGE LENDER

"I know real estate from both sides of the transaction - and I'm here to help you and your clients succeed. Yes, when other lenders say no."

Having sat in the agent's chair, I treat every file like the closing depends on it - because it does. Clear communication, creative structuring, and the products to back it up.

More about Brian →
Penny the puppy
Penny’s Corner "My dad helps families find the perfect home. I help them test the backyard." 🐶🏡
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 Capital Region 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 →
Where I'm different

Any lender can close a vanilla 800-score, 20%-down conventional loan and look like a hero - and I do a great job with those too.

But what if you don't fit
in the "box"?

I GOT U®

★
FHA Down to a 500 FICOWhen credit is still healing, we can still get you home.
★
DSCR Loans (Debt Service Coverage Ratio)Investor financing based on the property's cash flow, not yours.
★
RENO & ConstructionBuy it and fix it, or build from dirt to keys - all in one closing.
★
Bank Statement & Asset DepletionSelf-employed or asset-rich? We qualify you on what you've actually built.
★
ITIN LoansNo Social Security number? An ITIN can still open the door to homeownership.
★
1-Year Tax ReturnNewly self-employed with one strong year? That can be enough to qualify.
…and a whole host of other Non-QM products to match your needs See them all →
The everyday loans too

Financing for every
kind of buyer

First home, next home, refinance or investment - there's a right loan for it, and I'll help you find it.

Conventional

Competitive fixed and adjustable rates for strong-credit buyers - as little as 3% down.

First-time & move-up buyers

FHA

Low down payments and flexible credit - including programs down to a 500 FICO.

Lower down · flexible credit

VA

Zero-down, no-PMI financing earned by the veterans and service members who served.

Veterans & service members

Refinance

Lower your rate, shorten your term, or tap equity for what's next - cash-out included.

Rate/term & cash-out

Investment & DSCR

Build a portfolio with financing that leans on the property's cash flow, not your tax returns.

Investors & landlords

NAF Cash

Make a cash-strong offer - we buy the home with our cash and you close on it later.

Win the bidding war
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.

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 cash-offer program

Make a cash offer.
Win the home.

Tired of losing to cash buyers? NAF buys the home with cash so your offer rises to the top - no financing contingency. You move in, then buy it back with your mortgage.

See how NAF Cash works →
How it works Who it's for What it costs
NAF Cash - we buy the home with our cash, you close on it later
NAF buys with cash. You buy it back.
Renovation loans

Turn “almost perfect”
into exactly right.

Not every home is move-in ready - and that's exactly where opportunity lives. We help buyers, sellers and agents find the value hiding in homes that don't fit the traditional box.

Explore renovation loans →
For buyers For sellers For realtors
Before and after: a dated kitchen with a worried couple, and the same kitchen beautifully renovated with a happy family Before After
Same home. One renovation loan. A whole new beginning.
Already own? Read this

Is a refi actually
worth it?

Rates move, life changes, and most owners honestly have no idea if refinancing pencils out for them right now. Answer a few quick questions, drag in the rate you're seeing, and get a straight answer - new payment, monthly savings, break-even, all of it.

2 minutes · no credit pull · nothing binding
Find out in 2 minutes → Run the numbers
A 2-minute, no-pressure check
Refi worth it?
Example result - yours takes 2 minutes
Plan with confidence

Know your number
before you shop.

Estimate a real monthly payment - taxes, insurance and PMI included - or find out how much home you can actually afford. Sixty seconds, no email required.

Estimate my payment → What can I afford?
Number
Crunch.
Updated monthly
Estimated home value
$0▲ +8.4% / yr
Equity built0% · $0
$0
Value
$0
Equity
$0
Buying power
Free · Powered by Homebot

Buyer, seller, or realtor?

Track your home's value, equity and buying power - or search homes by what they actually cost per month. Pick your path and your numbers are one click away.

Pick my path → Buyers Sellers Realtors
Document checklist

Let's get your
docs in a row.

Answer a few quick questions and we'll build the exact list of documents your loan needs - then tick each one off as you gather it. No guesswork, no scrambling at the closing table.

Build my checklist →
Get mortgage ready

Credit not there yet?
There's a plan.

No gimmicks, no “credit repair” fees - a steady, step-by-step game plan that builds real credit in a few months. And if you're in the 500s, you might not have to wait at all.

See the credit game plan →
Once you're under contract

The 10 don'ts
until you close.

You're approved - now let's get you to the keys. A handful of everyday moves can quietly put your closing at risk. Here's exactly what to avoid, and why.

See all 10 don'ts →
1Don't change jobs 3Don't spend your down payment 4Don't buy big-ticket items 5Don't open new credit 8Don't co-sign for anyone 10Don't buy a car (or boat) …and 4 more →
A message of hope & reassurance
I GOT U®

More than a wristband - a promise that on this journey, you're never walking alone. It's personal to me, and I share it with the families I serve.

Read the story →
Brian's son John
Brian's father
Watch & learn

Mortgages, in plain English

Quick, no-nonsense videos on loan programs and homebuying - straight from Brian.

Watch all videos →
The Sunday Spotlight

Your Sunday read on the
Capital Region market.

Brian's weekly take on what's actually happening in local housing - rates, inventory, and what it means for you. Read the latest issue, browse the archive, or get it delivered every Sunday.

Read the latest issue → Get it every Sunday
New Issue
Sunday Edition · Capital Region
Sunday
Spotlight.
The summer window is open.
Read this week's issue →
You asked, Brian answered

Got questions?

Straight, no-jargon answers to what buyers, homeowners, and agents ask most - from pre-approval and credit to closing costs and loan programs. Don't see yours? Just ask.

Browse the Q&A →
What's the difference between pre-qualified and pre-approved? How much do I really need for a down payment? Will checking my options hurt my credit score? I'm self-employed - can I still qualify?
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 200+ five-star reviews Serving 7 counties
Albany Troy Schenectady Saratoga Springs Glens Falls Clifton Park + every town →
Explore the Capital Region →
Events & webinars

Real stories. Real strategy.

Live interviews and webinars with the people moving real estate forward.

Exclusive Live Interview

Real Impact in Real Estate

Date
Tue, June 17
Time
7:00 PM ET
Where
Online · Live
Anne Marie Bouyea
with Anne Marie Bouyea
Coldwell Banker · Rising Star

Join Brian for a live conversation on rising from newer agent to top producer - the mindset, habits and tactics working right now, plus a live Q&A.

View event page → All events