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
Chris Kelly
Mortgage Executive | Offices Located in Fayetteville, Onondaga Hill, and Syracuse
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
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!
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News
AmeriCU Credit Union Appoints Small Business Relationship Manager to Support Local Businesses
AmeriCU Credit Union is pleased to announce the appointment of Christiana Carruthers as Small Business Relationship Manager, where she will focus on supporting local businesses in Cortland, Auburn, Fulton, Liverpool, Camillus and Onondaga Hill with personalized financial solutions and hands-on guidance.
Events
Free Shred Day at Syracuse, Thompson Road Financial Center
Safely destroy sensitive documents at AmeriCU’s Shred Day. On-site shredding helps protect against identity theft and keeps your information secure.
Education
A Guide to Student Loans and Financial Aid
Learn about federal and private student loan options, including key differences, costs, and repayment strategies. This guide provides the information you need to make confident borrowing decisions and help finance your education.