I closed homes before I closed loans.

Albany's Mortgage Expert
Helping Upstate New York Families Build Wealth thru Homeownership Since 1993

Years as a top-performing Realtor taught me exactly where deals die. Now I structure the financing so yours doesn't - and I get deals to the closing table 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
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Brian Marchand
Brian Marchand
Sr. Loan Consultant, New American Funding · NMLS #481563 · Albany
Book a Call w/ Brian →
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30+ yrs
Industry experience
★★★★★★★★★★
Tons of 5-star reviews
0
Closings in as few as 30 days
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 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, New American Funding · NMLS #481563 · Albany ·
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 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 →
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 →
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 →
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

See all Special Situations →

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.
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 →
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
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 →
The Blog

Straight answers on
tricky situations.

Bankruptcy, divorce, credit dings, gift funds, co-borrowers — real scenarios from real files, written town by town for the Capital Region and NYC.

Bankruptcy Credit repair Divorce & buyouts Gift funds Self-employed
Read the blog →
Bankruptcy

How Soon Can You Buy a House in Albany, NY After Chapter 7?

The real waiting periods for FHA, VA, Conventional and Non-QM — and the one document that can shave a year off the clock.

July 22, 2026 · 6 min read Read the post →
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 166+ five-star reviews Serving 7 counties
Albany Troy Schenectady Saratoga Springs Glens Falls Clifton Park + every town →
Explore the Capital Region →
Events & webinars

Coming soon.

Live interviews, mortgage deep-dive webinars, and a weekly open-mic Q&A room are on the way.

Get on the list →
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?
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 →