The lender who actually answers - and gets it closed. From first-time buyers to tough files in the Guilderland area, Brian Marchand makes the mortgage the easy part.
“Most people in Guilderland assume they need twenty percent down. They almost never do. Let's find out what you actually qualify for before you rule the town out.”
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.
From starter homes to tough files, Brian Marchand has guided Guilderland buyers and homeowners through financing across Albany County. He explains every option and every number in plain English - no jargon, no runaround.
It's why so many Albany County clients come back and send their friends. "Quick response, strong communication, and deep knowledge," is how one described the experience.
If another lender has stalled or said no, bring it to Brian. Second opinions welcome.
Zero-down USDA territory starts closer to Crossgates than almost anyone believes.
USDA eligible areas reach into western Guilderland, toward Guilderland Center and Altamont. That's 0% down financing inside a strong school district, twenty minutes from the mall. People are consistently shocked how close that boundary sits.
West of the built-up corridor, private well and septic are common. FHA, VA and USDA all require water potability testing and septic clearance, and a failed test becomes a closing condition on a deadline.
A sought-after western suburb known for the Guilderland Central School District and easy access to Crossgates and the Northway. Expect a mix of suburban subdivisions, wooded lots and small-village charm out toward Altamont.
Neighborhoods & areas: Westmere · McKownville · Guilderland Center · Fort Hunter
Population, home value and income are U.S. Census / ACS estimates. USDA eligibility is set by program maps that are subject to change - confirm a specific address before relying on it. 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 Guilderland Central School District, with edge addresses falling toward Voorheesville, Mohonasen or Schalmont.
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.
Family-friendly schools and an easy Western Avenue commute, across a town that spans suburb and farmland.
Guilderland covers post-war neighborhoods near McKownville, 1970s-forward subdivisions through the middle of town, newer construction, and genuinely rural parcels out toward Altamont and the Helderbergs. Four housing eras, four different inspection and appraisal profiles.
District lines do not follow town lines, and listing descriptions get this wrong regularly on parcels near a boundary. The parcel's actual tax bill names the district charging you. That is the document I work from, because the school portion is the largest line in the bill and the one that moves your payment most.
Toward Guilderland Center, Altamont and the town's western reaches, lot sizes grow, private well and septic become common, and USDA eligibility can pick up — zero down for qualifying buyers. All three are parcel-specific, so the address decides, not the town.
Guilderland is overwhelmingly single-family, so the rent-helps-you-qualify strategy that works in Schenectady, Troy or Cohoes is generally not available here. Your own income carries the whole payment, which matters if you are stretching for the district.
They stayed on top of the contract the whole time and took care of all the financing. Any questions I had were answered within a short time.
Answered every question, was available at any time, explained everything, and worked around our anxiety. Truly a five-star experience.
Brian was an absolute pleasure to work with. Super responsive, knowledgeable and compassionate. Thanks for all your help!
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 Guilderland and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.