Before you dig in — a word from Brian
“The river gets you a price break. What it doesn't get you is a shortcut on the appraisal or the septic.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From first-time buyers to tough files in the East Greenbush area, Brian Marchand makes the mortgage the easy part.
“The river gets you a price break. What it doesn't get you is a shortcut on the appraisal or the septic.”
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 East Greenbush shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Rensselaer County - from first-time buyers in East Greenbush to move-up families nearby in Troy.
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. Second opinions welcome.
Crossing the river buys you a shorter commute at a lower entry price.
Away from the sewered core, plenty of properties run on private well and septic. FHA, VA and USDA loans require water potability testing and septic clearance, and a failed test becomes a condition of closing. Order it early, not at week four.
A convenient suburb just across the river from Albany, popular for its schools and quick commute. Established neighborhoods and newer builds sit close to shopping and I-90.
Neighborhoods & areas: Hampton Manor · Clinton Heights · Couse Corners
Population, home value and income are U.S. Census / ACS estimates. 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.
Most of the town is served by East Greenbush Central School District, with edge addresses falling toward Schodack or Averill Park.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA in the rural stretches of Rensselaer County, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He'll line up every credit you're eligible for.
A commuter suburb across the river from Albany, with post-war neighborhoods and newer construction.
East Greenbush is largely post-war and later — ranches and colonials in established neighborhoods, plus a steady supply of newer construction. Public water and sewer serve most of the developed town. The housing is newer than Troy's or Rensselaer's, which generally means a cleaner FHA or VA appraisal.
The draw here is Albany access without an Albany address, and the tradeoff is Rensselaer County's tax rates. Because school tax drives the bill, I price the payment off the actual parcel — the East Greenbush district, and the addresses that attend elsewhere, do not carry identical numbers.
If you are buying new, the question is whether the home is finished or being built. A completed spec home is a standard purchase. A build with draws is a construction-to-permanent loan — different structure, longer rate-lock conversation, builder documentation. Decide which you are doing before you sign anything.
The east and south ends of town shift toward larger parcels with private well and septic, and USDA eligibility can pick up out there. Both are parcel-specific. If you are looking at the town's edges, check the address before assuming either the utilities or the program.
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 East Greenbush and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.