We Make Building Your Home Easier — Here’s How
NEW! Land Loans
Find the perfect spot to build your future. Dreaming of building a home someday, but haven’t found your perfect piece of land yet? AmeriCU’s new Land Loans make it easy to secure your future homesite before you’re ready to build!
- Flexible and affordable – Choose a repayment plan that works for you, with flexible terms to help keep your budget on track.
- Real people, real help – Have questions? You’ll work one-on-one with our friendly, knowledgeable Mortgage Team who are here to guide you every step of the way.
- Room to grow – Finance lot sizes of up to 5 acres, plenty of space for your dream home, garden, and more.
- Buy now, build later – Secure your land today, even if you’re not ready to build yet. With a land loan, you’ll be ready when the time is right.
Let’s get started! Take the first step toward making your dream home a reality.
How Our Construction Loan Process Works, Step-By-Step
Member Tip: Ask your loan officer about loan options and pre-qualification to plan your budget ahead of time.
Compare Our Construction & Land Loan Options
| Loan Type | Ideal For | Key Details | Member Benefits |
|---|---|---|---|
| Construction Loan | Building a custom home | Interest-only payments, flexible draw schedule | Control cash flow during build |
| Land Loan | Buying a lot now, build later | Competitive rates, option to convert to construction loan | Secure land with low upfront costs |
| Construction-to-Permanent | One-step financing for build + mortgage | One-time closing, fixed or adjustable rates available | Simplify financing with no second closing |
AmeriCU Mortgage Executives
Melissa Bradlinski
Mortgage Executive | Office Located in Rome
Phone: 315.356.3000 ext. 6211
Cell: 315.982.8288
NMLS #: 1594826
Katie Fairbrother
Mortgage Executive | Offices Located in Herkimer and North Utica
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
AnaMaria Lasher
Mortgage Executive | Office Located in Liverpool
Phone: 315.356.3000 ext. 6023
Cell: 315.269.6726
NMLS #: 1718893
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 | Office Located in Cicero
Phone: 315.356.3000 ext. 3346
Cell: 315.408.5365
NMLS #: 1759409
Nimer Shehadeh
Mortgage Executive | Offices Located in Armory Square, Auburn, and Cortland
Phone: 315.356.3000 ext. 6383
Cell: 315.430.6615
[email protected]
NMLS #: 753265
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Credit Union Receives Approval to Expand Membership Eligibility Across New York State
AmeriCU Credit Union announced today that it has received approval from the New York State Department of Financial Services (DFS) for its application to expand its field of membership, allowing the credit union to serve individuals, families, and businesses in 27 additional counties across New York State.
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Friends of Fillmore Glen’s Filmore Days and Bathtub Races – August 6, 2026
Friends of Fillmore Glen’s Fillmore Days and Bathtub Races is a fun, family-friendly festival held at Fillmore Glen State Park featuring live music, food, vendors, and activities for all ages. The highlight is the crowd-favorite bathtub races, where creatively decorated bathtubs on wheels race for bragging rights in a lively and entertaining competition.
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A Guide to Student Loans and Financial Aid
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