The lender who actually answers - and gets it closed. From year-round homes on Crystal Lake to camps on Burden Lake, Brian Marchand makes the mortgage the easy part.
“Out here half the interesting properties are on a lake, and lake properties are where a lender either knows what they're doing or wastes your summer.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Averill Park or Sand Lake shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers all over Rensselaer County - lake buyers, second-home buyers, and families buying into the Averill Park district.
On the lakes the questions are year-round access, heat, septic proximity and occupancy type - and those decide the program before price does.
Been told “no” somewhere else? That’s exactly where Brian goes to work. Yes, when other lenders say no.
A district families move for, four lakes that change the financing conversation, and private water and septic nearly everywhere.
Year-round road access, permanent heat, a septic system that can be inspected and comparable lake sales are what decide a lake file. A true seasonal camp is financed differently than a year-round home - see second home and DSCR options if rental income is part of the plan.
Private well and septic are the norm, and FHA, VA and USDA require potability testing and septic clearance. Near the water, how close the septic sits to the lake can matter to both the inspection and the appraisal.
A cluster of lake hamlets in the Rensselaer County hills - Crystal Lake, Burden Lake, Glass Lake and Sand Lake, twenty-five minutes from Albany.
Neighborhoods & areas: Averill Park · Sand Lake · West Sand Lake · Burden Lake · Glass Lake
Population is a U.S. Census figure for Averill Park & Sand Lake. USDA eligibility is set by address and the maps change. For general reference only.
The school districts, the programs that can shrink your out-of-pocket, and the details worth handling before you make an offer.
Averill Park CSD covers most of the area, with edges toward East Greenbush and Wynantskill.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, USDA zero-down across much of the area, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He’ll line up every credit you’re eligible for.
Brian and his team were awesome and really helped me with a pretty complicated process. Can’t recommend them enough!
Brian explained everything well, was very thorough, and always answered my questions quickly. I would recommend him to everyone.
I highly recommend Brian. He consistently provides a five-star mortgage experience for my clients - quick response and deep knowledge.
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