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FHA Fixed Rate

Ideal for buyers who may not qualify for a conventional mortgage. A Federal Housing Administration (FHA) loan helps make home ownership possible!

  • Low down payment
  • Fixed rate for the term of the loan
  • Available on 1-4 Family Units

Conventional Fixed-Rate Mortgage

Steady, predictable payments are an ideal choice if you’re planning to live in your new home for many years to come.

  • Down payments as low as 3%
  • Fixed rate for the term of the loan
  • 10 to 30 year terms available
  • Mortgage insurance is required with less than 20% down payment
View Current Conventional Fixed Rate Mortgage Rates

Adjustable-Rate Mortgage

Offering lower initial interest rates and payments for a fixed period; ideal if you plan to sell or refinance your home before a shift in the market.

  • Mortgage insurance is required with less than 20% down payment
Contact an AmeriCU Mortgage Executive to get started today

Construction Loans

Can be used to finance single-family home construction projects.

  • A variety of terms available
  • Adjustable rates available
  • Interest only payments during construction
For current rates, contact an AmeriCU Mortgage Executive

Jumbo Mortgage Loans

Looking to make a large real estate purchase? AmeriCU offers jumbo loans.

  • For loans over $726,200.00
  • Fixed or adjustable rates
  • A variety of terms available
For current rates, contact an AmeriCU Mortgage Executive

VA-Fixed Rate Mortgage

Qualifying veterans and active duty service members can finance up to 100% of the purchase price with a low fixed rate.

  • Available to qualifying veterans & active-duty service members
  • Low fixed rates for the term of the loan
  • Finance up to 100% of purchase
Contact an AmeriCU Mortgage Executive to get started today
USDA Mortgages

USDA Mortgages

Start your road to homeownership when you connect with a USDA mortgage. These loans, backed by the United States Department of Agriculture, are a low-interest mortgage designed for low-to-moderate income families in designated rural communities. Qualified borrowers can get into a new home with no money down. Contact a mortgage executive to learn more!

  • No down payment required
  • Fixed rate, 30-year term mortgage
  • Must be in an eligible rural area as defined by USDA Rural Development
  • Single-family homes, only
  • Must be your primary place of residence
  • Existing homes must meet U.S Housing and Urban Development standards
  • Visit the USDA website for all eligibility information

AmeriCU Mortgage Executives

David Abernethy

David Abernethy

External Mortgage Executive | Serving Clinton, Essex, and Franklin Counties

Cell: 518.570.0083

[email protected]

NMLS #: 65832

Melissa Bradlinski

Melissa Bradlinski

Mortgage Executive | Office Located in Griffiss Park and Rome

Phone: 315.356.3000 ext. 6211

Cell: 315.982.8288

[email protected]

NMLS #: 1594826

Katie Fairbrother is a Mortgage Executive at AmeriCU Credit Union.

Katie Fairbrother

Mortgage Executive | Offices Located in Herkimer and North Utica

Phone: 315.356.3000 ext. 3433

Cell: 315.281.6781

[email protected]

NMLS #: 1276482

James Gifford

James Gifford

External Mortgage Executive | Serving St. Lawrence County

Cell: 315.546.3000

[email protected]

NMLS #: 1888867

Cathy Heilman-Feltz is a Mortgage Executive at AmeriCU Credit Union.

Cathy Heilman-Feltz

Mortgage Executive | Offices Located in Fort Drum, Lowville, and Watertown

Phone: 315.356.3000 ext. 6325

Cell: 315.783.9390

[email protected]

NMLS #: 623938

Ryan Jones is a Mortgage Executive at AmeriCU Credit Union.

Ryan Jones

Mortgage Executive | Office Located in Auburn

Phone: 315.356.3000 ext. 3447

Cell: 315.371.7108

[email protected]

NMLS #: 2172149

Chris Kelly

Chris Kelly

Mortgage Executive | Offices Located in Fayetteville and Onondaga Hill

Phone: 315.356.3000 ext. 3348

Cell: 315.247.9526

[email protected]

NMLS #: 2391678

Ana Maria Lasher is a Mortgage Executive at AmeriCU Credit Union.

AnaMaria Lasher

Mortgage Executive | Offices Located in Cazenovia and Liverpool

Phone: 315.356.3000 ext. 6023

Cell: 315.269.6726

[email protected]

NMLS #: 1718893

Tony Merrow

Tony Merrow

Mortgage Executive | Office Located in Camillus

Phone: 315.356.3000 ext. 6350

Cell: 315.391.8521

[email protected]

NMLS #: 641982

Myles Nashton is a Mortgage Executive at AmeriCU Credit Union.

Myles Nashton

Mortgage Executive | Offices Located in Commercial Drive, and Oneida

Phone: 315.356.3000 ext. 6253

Cell: 315.762.2102

[email protected]

NMLS #: 623940

Erika Plumpton is a Mortgage Executive at AmeriCU Credit Union.

Erika Plumpton

Mortgage Executive | Office Located in Cicero and Syracuse

Phone: 315.356.3000 ext. 3346

Cell: 315.408.5365

[email protected]

NMLS #: 1759409

Nimer Shehadeh

Nimer Shehadeh

Mortgage Executive | Offices Located in Armory Square and Cortland

Phone: 315.356.3000 ext. 6383
Cell: 315.430.6615
[email protected]
NMLS #: 753265

AmeriCU Mortgage App

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Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!


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* Must meet program requirements. Subject to available funding from Federal Home Loan Bank.