Before you dig in — a word from Brian
“North Colonie and South Colonie are not the same district, and the listing sheet won't tell you which one you're standing in.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From first-time buyers to tough files in the Colonie area, Brian Marchand makes the mortgage the easy part.
“North Colonie and South Colonie are not the same district, and the listing sheet won't tell you which one you're standing in.”
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.
Every Colonie home has its own story - a first purchase, a move up, or a refinance that finally makes sense. Brian Marchand treats each one like it's the only deal that matters, and he knows the Albany County market street by street.
Clients across Albany County say the same thing: he actually answers. "He is a phone call and a text ahead," as one put it - nights and weekends included.
Whether you're buying in Colonie or nearby Albany, you'll always know exactly what's next. That's the difference.
The Capital Region’s largest suburb and its retail hub, anchored by the Wolf Road corridor. Colonie draws steady demand for its convenient location, solid schools and mix of established mid-century neighborhoods and newer builds.
Neighborhoods & areas: Loudonville · Latham · Newtonville · Roessleville · Maplewood
Population, home value and income are U.S. Census / ACS estimates. Median district bill figures reflect published Empire Center analysis. 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.
Colonie is split primarily between North Colonie and South Colonie Central School Districts, with some addresses in neighboring districts.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA in the rural stretches of Albany County, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He'll line up every credit you're eligible for.
One of the region's largest suburbs, which means one town line covers four different loan profiles.
Colonie stretches from Latham and Loudonville through Newtonville and out toward the airport and the town's rural edges. That covers 1920s Loudonville homes, dense post-war neighborhoods, 1980s-forward subdivisions and newer townhome development — four distinct appraisal and inspection profiles inside one town.
Colonie is split across South Colonie, North Colonie, Niskayuna, Watervliet and Menands districts. Because school tax is the largest line in an Albany County bill, two similar homes at the same price in different districts can carry noticeably different payments. That comparison belongs in your search, not after your offer.
A Colonie tax bill is not just town, county and school. Fire protection, water, sewer, lighting and ambulance districts appear as separate line items, and they vary by parcel within the same town. Two houses on the same street can carry different district charges, and all of it goes into the escrow number that becomes your payment.
Monthly association dues count as a housing expense in your debt-to-income calculation, exactly like taxes and insurance. A $300 dues figure reduces what you can borrow by a meaningful amount. You will also need an individual HO-6 policy in addition to the association's master policy, which is a second premium people do not budget for.
Brian is always ready to help my clients and give us top-notch service. His years of mortgage knowledge and experience ensure we get the deal closed.
Brian is amazing! A great communicator who makes himself available. Every time I reached out, he would answer or call me right back.
As first-time home buyers the experience was overwhelming, but this team made the process so much smoother. Everyone was always accessible and quick to answer.
Verified reviews from Google, Zillow, Facebook & Experience.com · See all 169 reviews →
Type in your address to see the real driving distance and time from your doorstep to every town we serve nearby.
Enter your address to see the real driving distance and time to every town we serve nearby.
Sorted by drive time - closest first. Tap a town to find it on the map.
More answers: 500+ 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 Colonie and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.