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Scotia, New York

Mortgage lender
in Scotia, NY.

The lender who actually answers - and gets it closed. From first-time buyers to tough files in the Scotia area, Brian Marchand makes the mortgage the easy part.

5.0★ average rating
200+ five-star reviews
Local to Schenectady County
Answers days, nights & weekends
Your Scotia loan consultant

Home financing,
the way it should be

From starter homes to tough files, Brian Marchand has guided Scotia buyers and homeowners through financing across Schenectady County. He explains every option and every number in plain English - no jargon, no runaround.

It's why so many Schenectady County clients come back and send their friends. "Quick response, strong communication, and deep knowledge," is how one described the experience.

If another lender has stalled or said no, bring it to Brian. Yes, when other lenders say no.

Brian Marchand, mortgage loan consultant serving Scotia, NY
Why Scotia buyers choose Brian

Three things you'll
notice right away

He actually answers

Calls, texts and emails returned quickly - including nights and weekends when you're touring homes and offers move fast.

Closes on time

Scotia clients routinely close smoothly - some ahead of schedule. Brian stays on top of every step so nothing stalls at the finish line.

Explains everything

First mortgage? No problem. Brian walks you through every option and number in plain terms, so you always know exactly what's next.

Getting to know Scotia

A snapshot of
Scotia, NY

7,700Population
$225KMedian home value
$71KMedian household income
70%Homeownership rate

A friendly village on the Mohawk with a walkable Mohawk Avenue, riverside Collins Park and a strong community feel. It pairs small-village charm with quick access to Schenectady.

Neighborhoods & areas: Village core · Collins Park · Sunnyside

Figures are approximate U.S. Census / ACS estimates, for general reference only.

The real numbers

What it costs to buy
in Scotia

Beyond the sticker price - the monthly math, local property taxes, the school districts and the programs that can shrink your out-of-pocket.

Example monthly payment
$225KMedian home price
→
~$1,900Est. per month*
  • Principal & interest$1,280
  • Property taxes (est.)$510
  • Homeowners insurance$60
  • Mortgage insurance (10% down)$70

*Illustration only - $225K price, 10% down ($22,500), 30-yr fixed at a sample 6.5% rate. Your actual rate and payment depend on your credit, loan program and the day you lock. Not a commitment to lend.

Run your own numbers → Get pre-approved

Property taxes

Schenectady County runs among the higher effective property-tax rates in the region - roughly 2.4%–3.0% of value a year. On a $225K home that's about $450–$563/mo. Your exact bill depends on the school district and exemptions like STAR and veterans' credits.

School districts

Scotia is served primarily by the Scotia-Glenville Central School District. The district drives a big part of your tax bill, so it's always worth confirming the exact lines for a specific address.

You may not need 20% down

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA in the rural stretches of Schenectady County, 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 Schenectady County 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 · Google
★★★★★
Brian explained everything well, was very thorough, and always answered my questions quickly. I would recommend him to everyone.
JJameson P.
Verified client · Zillow
★★★★★
I highly recommend Brian. He consistently provides a five-star mortgage experience for my clients - quick response and deep knowledge.
GGenevieve S.
Verified client · experience.com

Verified reviews from Google & Zillow · See all 200+ reviews →

In & around Scotia

Serving Scotia &
Schenectady 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

Scotia mortgage
questions, answered

Do you work with first-time home buyers in Scotia?+
Absolutely - first-time buyers are a big part of who Brian helps. He'll walk you through pre-approval, your loan options and every number in plain English, and he's known for patiently answering questions no matter how small.
How fast can I get pre-approved?+
Often the same day or the next. You can start your pre-approval online anytime, or book a quick call with Brian. A strong pre-approval lets you shop with confidence and make competitive offers in the Scotia market.
What types of loans do you offer?+
Conventional, FHA, VA, USDA, jumbo, renovation loans and more - plus refinances. If you've been told "no" elsewhere or have a file that doesn't fit the usual box, that's exactly where Brian shines. See the full lineup on the Loan Programs page.
Can I refinance my Scotia home?+
Yes. Whether you're lowering your rate, tapping equity, or getting out of a bad experience with another lender, Brian handles Schenectady County refinances start to finish. Try the Is a Refi Worth It? tool to see if the numbers make sense for you.
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.