Please note: No new debit cards will be issued 3/19 through 3/25 due to system upgrades. ITMs and select card features in online and mobile banking may also be temporarily unavailable on Monday, 3/24.
Please note: No new debit cards will be issued 3/19 through 3/25 due to system upgrades. ITMs and select card features in online and mobile banking may also be temporarily unavailable on Monday, 3/24.
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.
1. Speak with an AmeriCU Mortgage Loan Officer
Get personalized guidance on eligibility and mortgage pre-approval.
2. Complete Homeownership Counseling
Attend an approved homeownership counseling course (grant covers the cost).
3. Get Pre-Approved for Your Mortgage
Work with our specialists to secure pre-approval, then start house hunting!
4. FHLBNY Approval Process
After you’ve signed a purchase contract, we’ll submit your documents to FHLBNY for final approval.
5. Close on Your New Home
You will have 120 days after receiving the funding commitment to close on your home!
To be eligible for the Homebuyer Dream Program, you must meet the following criteria:
Don’t wait—this program is available on a first-come, first-served basis! Speak with an AmeriCU Mortgage Loan Officer today to see if you qualify for the Homebuyer Dream Program and get started on your path to homeownership.
HDP Plus: For households earning 81-120% AMI.
HDP Wealth Builder: For first-time buyers in specific minority census tracts or as first-generation buyers.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
AmeriCU Credit Union’s North Utica Financial Center will be relocating from the Aspen Dental Plaza on North Genesee Street to 401 Herkimer Road.
The Greater Utica Chamber of Commerce and Sentinel Media Company have recognized and created this event as a response to growing community demand for a space dedicated to empowering and developing women leaders across the Greater Utica region.
A checking account is a financial tool that offers everyday access to your funds and provides an effective way to track your budget.
Program Availability & Terms
