Before you dig in — a word from Brian
“Scotia is one of the most walkable villages in the region and it trades fast. The flood determination near the river is the first thing I pull.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From village homes off Mohawk Avenue to houses near Collins Park, Brian Marchand makes the mortgage the easy part.
“Scotia is one of the most walkable villages in the region and it trades fast. The flood determination near the river is the first thing I pull.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing in Scotia shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Schenectady County, from first-time buyers in the village to families buying into the Scotia-Glenville district.
Inventory moves quickly here, so a verified pre-approval matters - and along the river, so does the flood determination.
Been told “no” somewhere else? That’s exactly where Brian goes to work. Yes, when other lenders say no.
A walkable village that trades quickly, a river that affects insurance on some addresses, and a county rate that shapes every approval.
Scotia's walkability, Collins Park and Mohawk Avenue keep demand steady, and good listings do not sit. A pre-approval with income and assets verified is what lets you act the day something lists.
Low-lying village addresses near the river can fall inside a FEMA special flood hazard area, where flood insurance is required for the life of the loan and the premium counts in your debt-to-income. The determination gets pulled in week one.
A walkable village across the Mohawk from Schenectady - Collins Park, a real Main Street, and a school district families move for.
Neighborhoods & areas: Mohawk Avenue · Collins Park · Sacandaga Road · Glenville line · Riverside
Population is a U.S. Census figure for Scotia. 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.
Scotia-Glenville CSD serves the village and much of the surrounding town.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus renovation financing for older village homes, 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.
Verified reviews from Google & Zillow · See all 166+ reviews →
Type in your address to see the real driving distance and time from your doorstep to every town we serve nearby.
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.
More answers: all 58 questions on buying in the Capital Region →