Free · no form · no credit pull

Tools & resources

Everything I give away, in one place. Run your numbers, get your file in order, keep an eye on the house you already own - and call me when you are ready, not before.

Run your numbers

Before you fall in love with a house, find out what it actually costs.

Payment CalculatorPrincipal, interest, taxes, insurance and PMI - the real monthly number, not a teaser payment.Open → Is a Refi Worth It?Drag in the rate you are being quoted and see the break-even in months, not marketing copy.Open → Compare Loan OptionsFHA against conventional, 30 against 15, points against no points - side by side.Open → Program FinderFive questions, no credit pull. I tell you which programs you actually qualify for.Open → Albany Rate ContextWhat rates are doing locally and what that means for your payment.Open →

Get your file ready

The prep that turns a stressful approval into a boring one.

Docs in a RowExactly what underwriting will ask for, sorted by income type, so day nine is not a scramble.Open → Document ChecklistThe printable version. Tick it off, send it once, move on.Open → Credit Game PlanSitting below the score you need? A mapped path to the next tier and what to pay first.Open → The 10 Don’ts Until You CloseThe ten moves that kill an approved loan between contract and keys.Open → Client PortalUpload documents and check your file status any time.Open →

Already own a home

Your house is an asset. Here is how to watch it and use it.

Homebot Equity TrackingA monthly read on your equity, your payoff and what a refi would do.Open → Cash-Out RefinanceWhen pulling equity makes sense, and when it quietly costs you.Open → HELOC & Home EquityA line of credit against the house without touching your first mortgage rate.Open → Renovation LoansBuy it and fix it, or fix the one you are in - financed in one closing.Open → NAF Cash OffersMake a cash offer on the next house so you stop losing to cash buyers.Open →

Learn from Brian

No pitch. Just the things people ask me every week.

The Sunday SpotlightThe weekly newsletter for Capital Region real estate pros.Open → The BlogLonger reads on programs, credit, and how deals actually get done here.Open → Video LibraryShort explainers on the questions that come up in every first call.Open → Mortgage Q&AHundreds of plain-English answers, organized by where you are in the process.Open → Workshops & EventsLive sessions for buyers and for agents. Get on the list.Open →

For Realtors & partners

Tools built for the people sending me business.

Homebot for RealtorsKeep your past clients warm with a branded monthly equity report.Open → The I GOT U StoryWhy the wristband, and what it means on a file that is going sideways.Open → Penny’s CornerPenny’s take on moving day, backyards and the humans she supervises.Open → Penny’s Moving GuideA genuinely useful moving checklist, narrated by a dog.Open → Work With BrianCo-marketing, joint workshops, or just a lender who answers the phone.Open →

These tools are for general planning and education. They are not a loan approval, a rate lock, or financial advice, and every file is different - ask me first. Brian Marchand, New American Funding, NMLS #6606. Brian Marchand, NMLS #481563. Equal Housing Lender.

Brian Marchand, Sr. Loan Consultant at New American Funding

Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563

Works on keeping an approval intact through closing for buyers and homeowners in Albany, NY and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.

About Brian