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
Beyond Banking: Exclusive Perks for Business Partner Employees
AmeriCU’s Business Partnership Program goes beyond traditional business banking by offering employees exclusive financial benefits, wellness resources, and one-on-one support. Help your team build a stronger financial future at no cost to your business.
Events
Syracuse Economic Development Corporation’s Pride & Prosperity Summit
The Syracuse Economic Development Corporation’s Pride & Prosperity Summit is a full-day economic development event focused on supporting the LGBTQ+ community through panels, workshops, and networking opportunities. Held at the INSPYRE Innovation Hub in downtown Syracuse, the summit connects attendees with tools for career growth, business development, and access to local resources in a welcoming, inclusive environment.
Education
Home Equity Loans and Home Equity Lines of Credit
Learn how homeowners can use their home equity through a Home Equity Loan or Home Equity Line of Credit (HELOC). This course explains the differences, requirements, benefits, and risks of each option to help you make informed borrowing decisions.