Before you dig in — a word from Brian
“Brunswick is where Troy buyers go for land and a different school district. The land is exactly what makes the appraisal interesting.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From homes in the Brittonkill district to properties with acreage on Route 7, Brian Marchand makes the mortgage the easy part.
“Brunswick is where Troy buyers go for land and a different school district. The land is exactly what makes the appraisal interesting.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Program guidelines on this page last verified . Guidelines, limits and program terms change — verified figures are current as of that date, not a commitment to lend.
Buying or refinancing in Brunswick shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Rensselaer County - families buying into Brittonkill, buyers with acreage, and people who need well and septic handled on a deadline.
Two things decide most files here: how the acreage appraises, and whether the well and septic clear in time.
Been told “no” somewhere else? That’s exactly where Brian goes to work. Second opinions welcome.
A district buyers move for, land that shapes the appraisal, and private water and septic across most of the town.
Conventional financing gives limited value to acreage beyond the homesite, and barns or outbuildings may not be contributory. The appraiser needs comparable sales with similar land - so a large parcel can appraise below what the acreage suggests.
Private well and septic are the norm. FHA, VA and USDA require water potability testing and septic clearance before closing, and a failed test becomes a repair condition on a deadline - so those inspections get ordered early.
A Rensselaer County town just east of Troy - the Brittonkill district, working farmland along Route 7, and hills climbing toward Grafton.
Neighborhoods & areas: Eagle Mills · Center Brunswick · Cropseyville · Route 7 corridor · Grafton line
Population is a U.S. Census figure for Brunswick. 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.
Brunswick CSD (Brittonkill) serves much of the town, with parts toward Troy City, Averill Park and Hoosic Valley.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, USDA zero-down in eligible areas east of the built-up corridor, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He’ll line up every credit you’re eligible for.
A Rensselaer County town that runs from suburban edge to genuine farmland.
Brunswick spans post-war neighborhoods near Troy, newer subdivisions along the Route 2 and Route 7 corridors, and farmhouses on real acreage further out. Newer housing appraises cleanly; the rural stock brings wells, septic, acreage and older systems into the file.
USDA is the one program where an appraisal above the contract price can work directly in your favor: the difference can be financed, which means closing costs get rolled into the loan rather than paid from your pocket. It does not always happen, but in a market where homes appraise at or above contract, it happens often enough to plan for.
The potability results have to be in hand before closing. Labs take time, cold weather complicates sampling, and a failed test means treatment and a retest. On rural files this is the single most common cause of a moved closing date. Order it in the first week of the contract, not the last.
Effective rates here run higher than Saratoga County to the north. Because school tax drives the bill and the town spans the Brunswick, Troy and Averill Park districts, the parcel decides the payment. Compare payments rather than prices against anything you are considering across the county line.
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.
Verified reviews from Google, Zillow, Facebook & Experience.com · See all 169 reviews →
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Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563
Works on mortgages for buyers and homeowners in Brunswick and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.