Before you dig in — a word from Brian
“People buy Niskayuna for the district. My job is making sure the approval holds up for the house they actually want.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From first-time buyers to tough files in the Niskayuna area, Brian Marchand makes the mortgage the easy part.
“People buy Niskayuna for the district. My job is making sure the approval holds up for the house they actually want.”
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.
A sought-after Schenectady County suburb known for top-rated schools, leafy neighborhoods and an easy commute to GE, downtown Schenectady and the wider Capital Region. Strong ownership and steady values make it a favorite for both first-time and move-up buyers - and Brian knows the local market street by street.
Population, home value and income are U.S. Census / ACS estimates. For general reference only.
Buying or refinancing a home in Niskayuna shouldn't mean chasing down a lender who never calls back. Brian Marchand has spent years helping buyers across Schenectady County and the wider Capital Region - from first-time buyers to homeowners refinancing.
What Niskayuna clients say again and again is simple: he answers. Text him on a Saturday, call him after hours, ask the "silly" first-timer question - you'll get a real answer, quickly, in plain English.
And when a file is tricky, that's exactly when Brian does his best work. Second opinions welcome.
Niskayuna is a school-district town with mid-century housing, and both facts show up in the loan.
Much of Niskayuna was built between the late 1940s and the 1960s, a lot of it for GE and Knolls engineers — brick and clapboard ranches, split-levels and center-hall colonials on established lots. Solid construction, and old enough that the mechanicals have usually been replaced at least once. What the appraiser and the inspector look at here is what has not been updated.
Niskayuna Central School District is a large part of why homes here carry the values they do, and school tax is the largest line in the bill. Two similar houses, one in Niskayuna and one just over the line in Rotterdam or Schenectady, can carry noticeably different monthly payments for the same price. Worth pricing both before you narrow your search.
Unlike Schenectady or Troy, Niskayuna is almost entirely single-family. The rent-helps-you-qualify strategy that works a few miles away generally is not available here, which means your own income carries the whole payment. Something to know before you stretch on price.
On mid-century homes I watch for aluminum branch wiring, an original boiler or furnace still in service, an in-ground oil tank from the era, and a roof at the end of its second life. None of those stop a loan on a conventional file. On FHA or VA they can become repair conditions, and that is a program decision better made early than renegotiated later.
Brian is always on top of everything, step-by-step. He is a phone call and a text ahead, and doesn’t waste time to respond.
Worked with Brian in the past at another institution and it was a great experience. That’s the reason I continued to work with him now.
Brian and his team were amazing - very communicative, clearly knowledgeable, and made the process so much less stressful than it could have been.
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 Niskayuna and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.