Before you dig in — a word from Brian
“Zero down twenty minutes from Albany is real out here. Just know that well and septic are the norm.”
Brian MarchandSr. Loan Consultant · NMLS #481563
The lender who actually answers - and gets it closed. From first-time buyers to tough files in the Voorheesville area, Brian Marchand makes the mortgage the easy part.
“Zero down twenty minutes from Albany is real out here. Just know that well and septic are the norm.”
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.
Every Voorheesville home has its own story - a first purchase, a move up, or a refinance that finally makes sense. Brian Marchand treats each one like it's the only deal that matters, and he knows the Albany County market street by street.
Clients across Albany County say the same thing: he actually answers. "He is a phone call and a text ahead," as one put it - nights and weekends included.
Whether you're buying in Voorheesville or nearby Albany, you'll always know exactly what's next. That's the difference.
Zero-down USDA financing runs right through New Scotland, twenty minutes from downtown Albany. Almost nobody knows the map reaches this far.
Much of New Scotland falls inside USDA eligible area - 0% down, no traditional monthly mortgage insurance, on a commute most Albany workers would take happily. Eligibility is set by address and the maps change, so it gets confirmed property by property.
Outside the village, private well and septic are standard. FHA, VA and USDA all require water potability testing and septic clearance before closing, and a failed test becomes a repair condition on a deadline. Order those inspections in week one, not week four.
A quiet village and rural town pairing highly rated schools with room to breathe. Buyers get a small-town village core surrounded by farmland, orchards and Helderberg foothill views.
Neighborhoods & areas: Voorheesville village · New Salem · Clarksville · Feura Bush
Population, home value and income are U.S. Census / ACS estimates. USDA eligibility is set by program maps subject to change - confirm a specific address before relying on it. 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.
The area is served primarily by Voorheesville Central School District, a small and well-regarded district, with outlying addresses falling toward Bethlehem, Guilderland or Berne-Knox-Westerlo.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA & USDA (much of Voorheesville / New Scotland and the rural parts of Albany County qualify for USDA), and SONYMA first-time-buyer loans with down-payment assistance. First-time buyer? He'll line up every credit you're eligible for.
An Albany County village and rural town pairing, with Voorheesville schools and real acreage.
Voorheesville grew as a rail village, so the core is compact with older and mid-century homes on village lots. New Scotland around it is working farmland running to the Helderberg escarpment, with farmhouses and newer builds on acreage. The village has public water and sewer; most of the town does not.
The district draws steady demand, and school tax is the largest line in the bill. Albany County effective rates run higher than Saratoga County's, so on the same price the payment here can exceed a comparable Saratoga County home. Compare payments rather than prices when you are shopping across county lines.
The limit is set in brackets — one for households of one to four, a higher one for five to eight — and it is generous enough in Albany County that two working professionals commuting into the city are often still under it. Most buyers who assume they earn too much have never actually checked the number.
On government-backed loans there are minimum separations between a well and the septic system — generally fifty feet to the tank and a hundred to the drain field. Older rural properties sometimes predate those rules and fail on paper. A documented variance from the county health department is usually the path forward, and it takes time to obtain.
Brian is always on top of everything, step-by-step. He is a phone call and a text ahead, and doesn’t waste time to respond.
Worked with Brian in the past at another institution and it was a great experience. That’s the reason I continued to work with him now.
Brian and his team were amazing - very communicative, clearly knowledgeable, and made the process so much less stressful than it could have been.
Verified reviews from Google, Zillow, Facebook & Experience.com · See all 169 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: 500+ questions on buying in the Capital Region →
Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563
Works on mortgages for buyers and homeowners in Voorheesville and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.