Before you dig in — a word from Brian
“Ravena and Coeymans are the last genuinely cheap addresses in Albany County, and a lot of them qualify for zero down.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From village houses in Ravena to riverfront property in Coeymans, Brian Marchand makes the mortgage the easy part.
“Ravena and Coeymans are the last genuinely cheap addresses in Albany County, and a lot of them qualify for zero down.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing here shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout southern Albany County - from first-time buyers in Ravena village to properties with land toward New Baltimore.
Two things decide most files down here: USDA eligibility by address, and whether the property sits in a Hudson or creek flood zone.
Been told “no” somewhere else? That’s exactly where Brian goes to work. Yes, when other lenders say no.
Albany County's lowest entry prices, broad zero-down eligibility, and a river that puts some addresses in a flood hazard area.
Prices in Ravena and Coeymans sit well below the county as a whole, while you are still inside Albany County and roughly twenty-five minutes from the city. It is the value corner of the county.
Much of the surrounding area is USDA eligible - true zero down, checked by address. At the same time, properties along the Hudson and the creeks can sit in a FEMA special flood hazard area, where flood insurance is required for the life of the loan and counts in your ratios.
A village and town pair on the Hudson in southern Albany County - the Lafarge plant, river access, and the most affordable addresses in the county.
Neighborhoods & areas: Ravena village · Coeymans · Coeymans Hollow · Selkirk line · New Baltimore side
Population is a U.S. Census figure for Ravena & Coeymans. 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.
Ravena-Coeymans-Selkirk CSD covers the area, with some edges toward Bethlehem or Greenville.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, USDA zero-down across much of the area, 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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