Meet Brian

Brian
MarchandAlbany, NY Mortgage Loan Consultant

SENIOR LOAN CONSULTANT, NEW AMERICAN FUNDING · NMLS #481563

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. That's not a bio credit - it's why he spots problems in a deal early, structures around problems before they surface, and works through the complicated files.

Brian Marchand
My story

Most lenders have never sold a home. I spent years as a top-producing Realtor before I became one - and that changes how I work for you.

I built my career as a Licensed Real Estate Agent, running a top-producing business - showings, negotiations, closings, the works. I learned firsthand where deals actually get stuck, and it's rarely the reason lenders assume.

Now I bring that same instinct to the financing side. When an agent sends me a client, I'm not learning their world from a training manual - I've lived it. I structure loans creatively, flag problems before they can blow up a closing, and I'm honest about what's possible from day one - because I've been on the other side of that conversation.

Backed by New American Funding, I have a full menu of programs - from everyday conventional and FHA loans to the tougher files that take more structuring: low-FICO FHA, DSCR investor loans, renovation and construction financing, bank-statement and asset-depletion programs, and NAF Cash. If there's a path to the closing table, I'll find it.

Yes, when other lenders say no.

The record

Brian Marchand, on paper

Everything a client, an agent, or a licensing check would want to confirm - in one place.

Full name
Brian Marchand
Title
Senior Loan Consultant
Company
New American Funding (NMLS #6606)
Mortgage loan originator
NMLS #481563
Licensed in
New York State
In the industry since
1993 (Capital Region real estate)
Prior career
Licensed Realtor - 1,000+ homes sold
Primary market
Albany & the New York Capital Region
Counties served
Albany, Rensselaer, Saratoga, Schenectady, Warren, Washington, Columbia, Greene, Montgomery, Fulton, Schoharie
Office
18 Computer Dr E, Suite 103, Albany, NY 12205
Direct line
518-396-7392
Email
brian.marchand@nafinc.com
Areas of expertise

What Brian actually works on

Most loan officers handle the first column. The rest is for files that need a second look.

Standard agency lending

Conventional, FHA, VA and USDA financing for purchases and refinances across New York's Capital Region, including FHA approvals with credit scores as low as 500.

First-time buyer & down payment help

SONYMA programs, down payment assistance, and gift-fund structuring for buyers who have the income but not the savings a traditional down payment requires.

Self-employed & non-traditional income

Bank statement loans, asset depletion, 1099 and one-year tax return programs, and ITIN or foreign national financing - for borrowers whose tax returns understate what they really earn.

Investors

DSCR loans qualified on the property's own rental income rather than the borrower's personal income, plus conventional investment property and second home financing.

Renovation & construction

FHA 203(k), HomeStyle renovation, land loans and construction-to-permanent financing - buying a house and the work it needs, or building from dirt, in a single closing.

Credit & life-situation files

Approvals after bankruptcy or foreclosure, divorce buyouts, child support income, non-occupying co-borrowers, and rebuild plans for buyers who were declined elsewhere.

How I work

What you can count on

Straight talk

You'll always know where your loan stands and what comes next - no jargon, no disappearing acts.

Creative structuring

When the easy path doesn't exist, I find another one - the right program, structured to close.

Responsiveness

Real estate moves fast. Call or text and reach a person who answers - agents and buyers both.

Independent verification

Don't take my word for any of it

Every claim on this page can be checked somewhere that isn't this website.

Common questions

The short answers

Who is Brian Marchand?

Brian Marchand is a Senior Loan Consultant with New American Funding, based in Albany, New York. He has been involved in Capital Region real estate since 1993 and sold more than 1,000 homes as a licensed Realtor before moving into mortgage lending. His NMLS number is #481563.

What kinds of mortgages does he specialize in?

Standard FHA, VA, USDA and conventional loans, plus the harder files: bank statement and asset depletion loans for the self-employed, DSCR loans for investors, ITIN and foreign national financing, renovation and construction loans, and approvals for buyers declined by another lender.

What areas does he serve?

Albany and the wider New York Capital Region - Albany, Rensselaer, Saratoga, Schenectady, Warren, Washington, Columbia, Greene, Montgomery, Fulton and Schoharie counties. He is licensed in New York State and works with buyers in more than 90 towns and villages across that footprint.

What makes a former Realtor different as a lender?

Most loan officers have never sold a home. Having represented buyers and sellers through 1,000+ transactions, Brian recognizes where deals actually break down - appraisal gaps, title surprises, income documentation - and structures around those problems before they reach the closing table.

Does he work with real estate agents?

Yes. Agent referrals are a core part of the business, and Brian sat in the agent's chair for years before lending. Agents get direct access, straight answers on whether a buyer qualifies, and a lender who understands what a blown closing date costs them.

How do I verify his license?

Look up NMLS #481563 on NMLS Consumer Access, the federal registry maintained by the Conference of State Bank Supervisors. It shows license status, employment history, and every state where he is authorized to originate loans.

Off the clock

Life beyond the closing table

My wife Jen, our boys, and of course our girl Penny are the reason I understand what a home really means.

I built this site for one reason: to make home financing feel human again. Whether you're buying your first place, refinancing the one you're in, or you're a Realtor looking for a lender who actually picks up the phone — from our family to yours, let's get you home.

Brian Marchand
Brian Marchand with his four sons John, Chris, Ethan and Nick
Brian & his boys
Brian Marchand and his wife Jen
Brian & Jen
Brian Marchand and his dog Penny
Brian & Penny
Brian Marchand, Sr. Loan Consultant at New American Funding

Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563

Works on mortgages for buyers and homeowners for buyers and homeowners in Albany, NY and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.

About Brian