The lender who actually answers - and gets it closed. Second homes, ski-country condos and short-term rentals around Windham and Hunter - Brian Marchand makes the mortgage the easy part.
“Up on the mountain, the first question isn't your credit. It's whether this is a second home or an investment property - because that answer changes your rate, your down payment and whether the rent counts.”
Brian MarchandSr. Loan Consultant · NMLS #481563
Buying or refinancing around Windham or Hunter shouldn't mean giving up when a file gets complicated. Brian Marchand has helped buyers throughout Greene County - from second-home buyers in Windham and Tannersville to investors underwriting short-term rentals on the mountain.
This is where Brian's persistence stands out. One local buyer put it simply: the team "worked with me in spite of hurdles to get my loan approved."
Been told "no" somewhere else? That's exactly where Brian goes to work. Yes, when other lenders say no.
Ski country runs on occupancy type. Get that wrong and everything downstream - rate, down payment, whether rent counts - is wrong too.
They are two different mortgages. A second home prices close to a primary residence and can go as low as 10% down, but cannot use rental income to qualify. An investment property can count the rent, but prices higher and needs more down. How you describe your plans decides which one you get.
If the rent is how the numbers work, most lenders want 12 months of trailing platform income or an AirDNA-style market projection. A DSCR loan skips your personal income entirely and qualifies on the property's rent divided by the payment - which is how a lot of mountain files actually get done.
A slope-side condo means the project is reviewed, not just you. Owner-occupancy ratios, reserves, litigation and the short-term rental mix can make a project non-warrantable for conventional financing. That is a solvable problem, but only if it surfaces before you are under contract.
Two mountain towns built around Windham Mountain and Hunter Mountain, roughly two and a half hours from the city. Second homes, slope-side condos and short-term rentals dominate the market.
Neighborhoods & areas: Windham · Hunter · Tannersville · Jewett · Ashland
Population is a 2020 U.S. Census figure for Windham & Hunter. Census / ACS estimates; town, village and school district figures vary. 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.
Windham is served by Windham-Ashland-Jewett CSD and Hunter and Tannersville by Hunter-Tannersville CSD.
Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, plus USDA across much of Greene County, 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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Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563
Works on mortgages for buyers and homeowners in Windham & Hunter and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.