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Nassau, New York

Nassau, NY.

The lender who actually answers - and gets it closed. From village homes off Route 20 to properties with land toward Brainard, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
166+ five-star reviews
Local to Rensselaer County
Answers days, nights & weekends
Before you dig in — a word from Brian
“Nassau is quiet, cheap and mostly zero-down eligible. For a first-time buyer who wants land, it is one of the best-value addresses in the county.”
Brian Marchand Brian MarchandSr. Loan Consultant · NMLS #481563
Your Nassau loan consultant

Home financing,
the way it should be

Buying or refinancing in Nassau shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Rensselaer County - zero-down first-timers, buyers with acreage, and families comparing two school districts.

Out here the deciding factors are USDA eligibility and whether the well and septic clear on schedule.

Been told “no” somewhere else? That’s exactly where Brian goes to work. Yes, when other lenders say no.

Brian Marchand, mortgage loan consultant serving Nassau, NY
What actually moves your number

Two things that decide
a Nassau payment

Broad zero-down eligibility, two districts to compare, and private water and septic on nearly every property.

Zero down in most of town

Most of Nassau sits in USDA eligible territory - true zero down, no conventional-style monthly mortgage insurance. Eligibility is set by address, not by town, and the maps change, so the property gets checked.

Well, septic and acreage

Private well and septic are standard, and FHA, VA and USDA require potability testing and septic clearance before closing. On larger parcels the acreage affects the appraisal more than the loan.

Getting to know Nassau

A snapshot of
Nassau, NY

4,600Population
Yes — mostUSDA zero-down

A village and rural town in southern Rensselaer County along Route 20 - Nassau Lake, farmland, and an easy run into Albany or the Berkshires.

Neighborhoods & areas: Nassau village · Nassau Lake · Brainard · East Schodack side · Route 20 corridor

Population is a U.S. Census figure for Nassau. USDA eligibility is set by address and the maps change. For general reference only.

Worth knowing

What to know about
buying in Nassau

The school districts, the programs that can shrink your out-of-pocket, and the details worth handling before you make an offer.

School districts

Nassau is split between East Greenbush and Averill Park.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, USDA zero-down across most of the town, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He’ll line up every credit you’re eligible for.

See loan programs
From upstate New York clients

Real buyers.
Real results.

★★★★★
Brian and his team were awesome and really helped me with a pretty complicated process. Can’t recommend them enough!
AAlexis B.
Verified client · Zillow
★★★★★
Brian explained everything well, was very thorough, and always answered my questions quickly. I would recommend him to everyone.
JJameson P.
Verified client · experience.com
★★★★★
I highly recommend Brian. He consistently provides a five-star mortgage experience for my clients - quick response and deep knowledge.
GGenevieve S.
Verified client · Google

Verified reviews from Google & Zillow · See all 166+ reviews →

In & around Nassau

Serving Nassau &
Rensselaer County

Type in your address to see the real driving distance and time from your doorstep to every town we serve nearby.

Drive times to each town

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.

Estimates via OpenStreetMap routing - typical driving times, not live traffic.
Good to know

Nassau mortgage
questions, answered

Can I buy in Nassau with no money down?+
In most of the town, yes. USDA eligible territory covers most of Nassau, and USDA is a true zero-down program. Eligibility is set by address and the maps change, so the specific property gets checked. Veterans have zero-down VA anywhere.
What do I need to know about well and septic?+
They are the norm here. FHA, VA and USDA require water potability testing and septic clearance before closing, and a failed test becomes a repair condition on a deadline - so we order those inspections early in the contract period.
Are you actually available on nights and weekends?+
It's the single most common thing clients mention. Homes and offers don't wait for business hours, so Brian doesn't either - call or text and you'll hear back quickly, even after hours.

More answers: all 58 questions on buying in the Capital Region →