Attention Legacy Mountain Valley Members: Important updates regarding the merger are now available. Please visit our Merger Information Page for details.
Attention Legacy Mountain Valley Members: Important updates regarding the merger are now available. Please visit our Merger Information Page for details.
Bring your vision home – with guidance that keeps you moving.
I’m Erika Plumpton, Mortgage Executive at AmeriCU. For the past 3.5 years, I’ve loved helping members reach their financial and homeownership goals. My focus is on making the mortgage process simple, stress‑free, and tailored to your needs.
What I value most is being part of a member‑focused organization that puts people first. I’ll guide you through every step, answer your questions, and keep things moving so you can focus on what matters – your new home.
Outside the office, I enjoy home design, cooking, and staying active. I’m a huge Buffalo Bills fan, and football Sundays are a big deal in my house! I’m happiest outdoors on the water with my family and our goldendoodle.
We believe the mortgage process should feel manageable—not overwhelming. Our team takes the time to explain your options, keep you informed, and help you choose the financing that fits your life and long-term goals. Whether you’re purchasing, refinancing, or investing, AmeriCU is here to make your path to homeownership smoother, clearer, and entirely centered around you.
Buying or refinancing a home is a big step, and having the right lending partner can make all the difference. At AmeriCU, we focus on giving you clear guidance, honest options, and the personalized support you need to move forward with confidence.
Straightforward Rates. Real Value.
Our mortgage rates are designed to help you save over the life of your loan—not just look good on paper. Because we’re a credit union, our priorities start with you, not shareholders.
Costs That Make Sense
No inflated fees. No confusing add-ons. Just transparent, member-first pricing so you know exactly what to expect from day one.
A Team That Works Where You Live
Your mortgage is handled locally by professionals who understand the Central and Upstate New York market. When questions come up, you get real answers from real people who care about your experience.
Pre-Qualification at No Cost
Explore homes with confidence. AmeriCU offers free pre-qualifications so you can move quickly when you find the right place.
An FHA loan makes homeownership possible for buyers who may not qualify for a conventional mortgage. Backed by the Federal Housing Administration, this option is especially helpful for first-time buyers.
Buying your first home? AmeriCU offers first-time homebuyer programs in New York, with grant opportunities and flexible loan solutions designed just for you.
Lower your initial monthly payments with an adjustable-rate mortgage – a smart choice if you expect to sell or refinance before rates change.
Turn your plans into reality with a construction loan from AmeriCU. Build your dream home with financing designed for single-family construction projects.
We’re proud to serve those who serve. VA loans allow qualifying veterans and active-duty service members to finance up to 100% of their home purchase with no down payment required.
Enjoy the stability of steady, predictable mortgage payments. A conventional loan is ideal if you’re planning to stay in your home long-term.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Membership eligibility is required. Insured by NCUA. Equal Housing Lender
