Before you dig in — a word from Brian
“Cobleskill is the one Schoharie County market with a college in it. That changes what the two-family down the street is actually worth to you.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From first-time buyers in the village to student-rental purchases near SUNY, Brian Marchand makes the mortgage the easy part.
“Cobleskill is the one Schoharie County market with a college in it. That changes what the two-family down the street is actually worth to you.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Cobleskill shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Schoharie County - from first-time buyers in the village to investors underwriting rentals near SUNY Cobleskill.
This is where Brian's persistence stands out. One local buyer put it simply: the team "worked with me in spite of hurdles to get my loan approved."
Been told "no" somewhere else? That's exactly where Brian goes to work. Yes, when other lenders say no.
What actually decides your payment here, in plain language.
Two- to four-unit properties near SUNY Cobleskill are common. Live in one unit and it is owner-occupied financing, with rental income from the others counted toward qualifying. Buy it purely to rent and it is an investment property - or a DSCR loan, which qualifies on the rent rather than your income.
A village built around SUNY Cobleskill in the Schoharie valley, about 40 minutes from both Albany and Schenectady. Farm country with a college-town core.
Neighborhoods & areas: Cobleskill village · Richmondville · Warnerville · SUNY Cobleskill
Population is a 2020 U.S. Census figure for Cobleskill. Census / ACS estimates; town, village and school district figures vary. 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.
The village and much of the surrounding area are served by Cobleskill-Richmondville Central School District, with edges falling toward Schoharie or Middleburgh.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA across much of Schoharie County, 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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More answers: all 47 questions on buying in the Capital Region →
Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563
Works on mortgages for buyers and homeowners in Cobleskill and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.