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
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
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
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
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
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
Homebuyer Dream Program (HDP) 2025*
The Homebuyer Dream Program is a grant opportunity for first-time homebuyers, offering up to $10,000 in grants to help with your home purchase. The funds can be used for down payments, closing costs, and homeownership counseling. The program is administered by the Federal Home Loan Bank of New York (FHLBNY) and is available on a first-come, first-served basis.
To be eligible for the Homebuyer Dream Program, you must meet the following criteria:
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
AmeriCU Mortgage Executives
Melissa Bradlinski
Mortgage Executive | Offices Located in Griffiss Park and Rome
Phone: 315.356.3000 ext. 6211
Cell: 315.982.8288
NMLS #: 1594826
Katie Fairbrother
Mortgage Executive | Offices Located in Cazenovia and Syracuse
Phone: 315.356.3000 ext. 3433
Cell: 315.281.6781
NMLS #: 1276482
Cathy Heilman-Feltz
Mortgage Executive | Offices Located in Fort Drum, Lowville, and Watertown
Phone: 315.356.3000 ext. 6325
Cell: 315.783.9390
NMLS #: 623938
Ryan Jones
Mortgage Executive | Office Located in Auburn
Phone: 315.356.3000 ext. 3447
Cell: 315.371.7108
NMLS #: 2172149
Chris Kelly
Mortgage Executive | Offices Located in Fayetteville and Onondaga Hill
Phone: 315.356.3000 ext. 3348
Cell: 315.247.9526
NMLS #: 2391678
AnaMaria Lasher
Mortgage Executive | Office Located in Liverpool
Phone: 315.356.3000 ext. 6023
Cell: 315.269.6726
NMLS #: 1718893
Tony Merrow
Mortgage Executive | Office Located in Camillus
Phone: 315.356.3000 ext. 6350
Cell: 315.391.8521
NMLS #: 641982
Myles Nashton
Mortgage Executive | Offices Located in Commercial Drive, and Oneida
Phone: 315.356.3000 ext. 6253
Cell: 315.762.2102
NMLS #: 623940
Erika Plumpton
Mortgage Executive | Offices Located in Cicero, Herkimer, and North Utica
Phone: 315.356.3000 ext. 3346
Cell: 315.408.5365
NMLS #: 1759409
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
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Home Equity Lines + Loans
A great way to leverage the equity you’ve built in your home so you can turn around and make new memories, with fast processing times and no closing costs.
Credit Cards
Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Property Insurance
Your home is one of your biggest and most precious assets. Make sure you’re protected. Homeowners insurance covers damage from fire, theft, personal injury, vandalism, identity theft and many other losses.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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*Program Availability & Terms
- Program begins February 10, 2025
- Funds are limited and available on a first-come, first-served basis
- No guarantee of approval
- For full details, visit Federal Home Loan Bank of New York’s website