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Please note: AmeriCU's Offices and Financial Centers will be closing at 1pm on Tuesday, December 24 in observance of Christmas Eve and closed Wednesday, December 25 in observance of Christmas. You can still access your accounts through Online + Mobile Banking, Surcharge-Free ATMs, and AmeriCU's Interactive ATMs.

Please note: AmeriCU's Offices and Financial Centers will be closing at 1pm on Tuesday, December 31 in observance of New Year's Eve and closed Wednesday, January 1 in observance of New Year's Day. You can still access your accounts through Online + Mobile Banking, Surcharge-Free ATMs, and AmeriCU's Interactive ATMs.

SCAM ALERT: As the holiday season begins, fraudsters are are posing as financial institutions in attempt to steal confidential information. If you receive a suspicious call or text from someone claiming to be from AmeriCU, even if the number appears legitimate, hang up and contact us directly at 800-388-2000. We will never contact you to request your account information. Your security is our top priority! Close

FHA Fixed Rate

Ideal for buyers who may not qualify for a conventional mortgage. A Federal Housing Administration (FHA) loan helps make home ownership possible!

  • Low down payment
  • Fixed rate for the term of the loan
  • Available on 1-4 Family Units
apply now

Conventional Fixed-Rate Mortgage

Steady, predictable payments are an ideal choice if you’re planning to live in your new home for many years to come.

  • Down payments as low as 3%
  • Fixed rate for the term of the loan
  • 10 to 30 year terms available
  • Mortgage insurance is required with less than 20% down payment
View Current Conventional Fixed Rate Mortgage Rates
Apply now

Adjustable-Rate Mortgage

Offering lower initial interest rates and payments for a fixed period; ideal if you plan to sell or refinance your home before a shift in the market.

  • Mortgage insurance is required with less than 20% down payment
Contact an AmeriCU Mortgage Executive to get started today
Apply now

Construction Loans

Can be used to finance single-family home construction projects.

  • A variety of terms available
  • Adjustable rates available
  • Interest only payments during construction
For current rates, contact an AmeriCU Mortgage Executive

Jumbo Mortgage Loans

Looking to make a large real estate purchase? AmeriCU offers jumbo loans.

  • For loans over $726,200.00
  • Fixed or adjustable rates
  • A variety of terms available
For current rates, contact an AmeriCU Mortgage Executive

VA-Fixed Rate Mortgage

Qualifying veterans and active duty service members can finance up to 100% of the purchase price with a low fixed rate.

  • Available to qualifying veterans & active-duty service members
  • Low fixed rates for the term of the loan
  • Finance up to 100% of purchase
Contact an AmeriCU Mortgage Executive to get started today
Apply now
USDA Mortgages

USDA Mortgages

Start your road to homeownership when you connect with a USDA mortgage. These loans, backed by the United States Department of Agriculture, are a low-interest mortgage designed for low-to-moderate income families in designated rural communities. Qualified borrowers can get into a new home with no money down. Contact a mortgage executive to learn more!

  • No down payment required
  • Fixed rate, 30-year term mortgage
  • Must be in an eligible rural area as defined by USDA Rural Development
  • Single-family homes, only
  • Must be your primary place of residence
  • Existing homes must meet U.S Housing and Urban Development standards
  • Visit the USDA website for all eligibility information
learn more

AmeriCU Mortgage Executives

David Abernethy

David Abernethy

External Mortgage Executive | Serving Clinton, Essex, and Franklin Counties

Cell: 518.570.0083

[email protected]

NMLS #: 65832

Apply for a mortgage with me
Melissa Bradlinski

Melissa Bradlinski

Mortgage Executive | Office Located in Griffiss Park and Rome

Phone: 315.356.3000 ext. 6211

Cell: 315.982.8288

[email protected]

NMLS #: 1594826

Apply for a mortgage with me
Katie Fairbrother is a Mortgage Executive at AmeriCU Credit Union.

Katie Fairbrother

Mortgage Executive | Offices Located in Herkimer and North Utica

Phone: 315.356.3000 ext. 3433

Cell: 315.281.6781

[email protected]

NMLS #: 1276482

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James Gifford

James Gifford

External Mortgage Executive | Serving St. Lawrence County

Cell: 315.546.3000

[email protected]

NMLS #: 1888867

Apply for a mortgage with me
Cathy Heilman-Feltz is a Mortgage Executive at AmeriCU Credit Union.

Cathy Heilman-Feltz

Mortgage Executive | Offices Located in Fort Drum, Lowville, and Watertown

Phone: 315.356.3000 ext. 6325

Cell: 315.783.9390

[email protected]

NMLS #: 623938

Apply for a mortgage with me
Ryan Jones is a Mortgage Executive at AmeriCU Credit Union.

Ryan Jones

Mortgage Executive | Office Located in Auburn

Phone: 315.356.3000 ext. 3447

Cell: 315.371.7108

[email protected]

NMLS #: 2172149

Apply for a mortgage with me
Chris Kelly

Chris Kelly

Mortgage Executive | Offices Located in Fayetteville and Onondaga Hill

Phone: 315.356.3000 ext. 3348

Cell: 315.247.9526

[email protected]

NMLS #: 2391678

Apply for a mortgage with me
Ana Maria Lasher is a Mortgage Executive at AmeriCU Credit Union.

AnaMaria Lasher

Mortgage Executive | Offices Located in Cazenovia and Liverpool

Phone: 315.356.3000 ext. 6023

Cell: 315.269.6726

[email protected]

NMLS #: 1718893

Apply for a mortgage with me
Tony Merrow

Tony Merrow

Mortgage Executive | Office Located in Camillus

Phone: 315.356.3000 ext. 6350

Cell: 315.391.8521

[email protected]

NMLS #: 641982

Apply for a mortgage with me
Myles Nashton is a Mortgage Executive at AmeriCU Credit Union.

Myles Nashton

Mortgage Executive | Offices Located in Commercial Drive, and Oneida

Phone: 315.356.3000 ext. 6253

Cell: 315.762.2102

[email protected]

NMLS #: 623940

Apply for a mortgage with me
Erika Plumpton is a Mortgage Executive at AmeriCU Credit Union.

Erika Plumpton

Mortgage Executive | Office Located in Cicero and Syracuse

Phone: 315.356.3000 ext. 3346

Cell: 315.408.5365

[email protected]

NMLS #: 1759409

Apply for a mortgage with me
Nimer Shehadeh

Nimer Shehadeh

Mortgage Executive | Offices Located in Armory Square and Cortland

Phone: 315.356.3000 ext. 6383
Cell: 315.430.6615
[email protected]
NMLS #: 753265

Apply for a mortgage with me

AmeriCU Mortgage App

Seek preapproval in minutes, receive updates as you go, securely upload documents, and stay connected with your AmeriCU Mortgage Executive!

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Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

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* Must meet program requirements. Subject to available funding from Federal Home Loan Bank.