The lender who actually answers - and gets it closed. From first-time buyers in the villages to farmhouse and acreage purchases up the valley, Brian Marchand makes the mortgage the easy part.
“In this valley the flood map is the first thing I pull. It decides your insurance, your debt-to-income and sometimes whether the deal works at all.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Middleburgh or Schoharie shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Schoharie County - from first-time buyers in the villages to families buying land in Esperance and Central Bridge.
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.
Two valley villages, two districts, and a creek that the lender cares about more than you might expect.
The Schoharie Creek valley carries a documented flood history. Where an address sits in a FEMA special flood hazard area, flood insurance is required by the lender for the life of the loan, and the premium lands in your debt-to-income. It gets pulled in week one, because it can change your qualifying number.
This is farm country, and listings come with land and barns. Conventional appraisals give limited value to acreage beyond the homesite and may treat outbuildings as non-contributory. If the price assumes the land, that conversation belongs before the offer.
Two neighboring villages in the Schoharie Creek valley, surrounded by some of the best farmland in the state. About 45 minutes from Albany, with real land available.
Neighborhoods & areas: Middleburgh village · Schoharie village · Esperance · Central Bridge
Population is a 2020 U.S. Census figure for Middleburgh & Schoharie. 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.
Middleburgh is served by Middleburgh Central School District and Schoharie by Schoharie Central School District, with outlying addresses falling toward Cobleskill-Richmondville.
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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Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563
Works on mortgages for buyers and homeowners in Middleburgh & Schoharie and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.