The lender who actually answers - and gets it closed. From newer homes in Defreestville to older houses near the Troy line, Brian Marchand makes the mortgage the easy part.
“North Greenbush is one bridge from Albany and split among three school districts. The district you land in is worth more to your payment than the price you negotiate.”
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 North Greenbush shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Rensselaer County - new construction buyers in Defreestville, first-time buyers near Wynantskill, and families crossing the river out of Albany County.
Because three districts reach into this town, the exact address matters more here than almost anywhere in the county.
Been told “no” somewhere else? That’s exactly where Brian goes to work. Second opinions welcome.
Three districts in one town, a short commute to Albany, and new construction that needs its rate lock planned.
If the builder is financing the build, a standard mortgage works. If you are funding it, that is a construction-to-permanent loan - and either way the lock should be planned around a realistic completion date.
A Rensselaer County town directly across the river from Albany - Defreestville, newer subdivisions, the RPI tech corridor and quick Thruway access.
Neighborhoods & areas: Defreestville · Wynantskill line · Snyders Corners · Route 4 corridor · East Greenbush side
Population is a U.S. Census figure for North Greenbush. USDA eligibility is set by address and the maps change. 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.
North Greenbush is split among East Greenbush, Troy City and Wynantskill.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, construction-to-permanent financing for new builds, and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He’ll line up every credit you’re eligible for.
A Rensselaer County town split between suburban corridor and rural edge.
North Greenbush runs from post-war neighborhoods and newer subdivisions along the Route 4 and Route 43 corridors to older homes on acreage toward the town's outer roads. Newer housing generally appraises cleanly; the older rural stock brings wells, septic and condition items into the file.
The town is split across the East Greenbush and Wynantskill districts, with some addresses attending elsewhere. Because school tax is the largest line in the bill, the district your parcel sits in affects your payment more than the town name does. I price from the actual bill rather than a town average.
Effective rates here run higher than Saratoga County to the north. If you are comparing a North Greenbush house against something similarly priced in Halfmoon or Clifton Park, compare monthly payments — the tax difference alone can move the number meaningfully.
Appraisers value land against what is typical for the area. Buy a house on fifteen acres where neighbors sit on one, and the excess land often contributes far less to the appraised value than it did to the purchase price. That gap comes out of your down payment, so it belongs in the conversation before you offer.
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 North Greenbush and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.