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An FHA loan makes homeownership possible for buyers who may not qualify for a conventional mortgage. Backed by the Federal Housing Administration, this option is especially helpful for first-time buyers.
Buying your first home? AmeriCU offers first-time homebuyer programs in New York, with grant opportunities and flexible loan solutions designed just for you.
Lower your initial monthly payments with an adjustable-rate mortgage – a smart choice if you expect to sell or refinance before rates change.
Turn your plans into reality with a construction loan from AmeriCU. Build your dream home with financing designed for single-family construction projects.
We’re proud to serve those who serve. VA loans allow qualifying veterans and active-duty service members to finance up to 100% of their home purchase with no down payment required.
Enjoy the stability of steady, predictable mortgage payments. A conventional loan is ideal if you’re planning to stay in your home long-term.
With flexible loan options for New Homebuyers like you. AmeriCU has several mortgage solutions for members who are in the market for the very first time, and programs and grant opportunities to help with your home purchase.
Purchasing a larger property? A jumbo loan may be the right fit for you. AmeriCU offers competitive rates on loans exceeding $726,200.
State of New York Mortgage Agency (SONYMA) helps make homeownership affordable for first-time homebuyers.
The Homebuyer Dream Program offers up to $15,000 in grant funds for eligible first-time homebuyers in New York. These funds can be applied toward down payments, closing costs, and required homeownership counseling.
Eligibility requirements include:
USDA mortgages are designed to make homeownership affordable in eligible rural and suburban areas in New York. Backed by the U.S. Department of Agriculture, this program allows qualified borrowers to buy a home with no money down. Contact a mortgage executive to learn more!
AmeriCU believes that knowledge is power – especially when it comes to buying a home. That’s why we’ve partnered with EVERFI, a trusted leader in financial education, to give you free access to tools and resources that can strengthen your financial confidence.
With EVERFI, you can:
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[email protected]
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A great way to leverage the equity you’ve built in your home so you can turn around and make new memories, with fast processing times and no closing costs.
Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Your home is one of your biggest and most precious assets. Make sure you’re protected. Homeowners insurance covers damage from fire, theft, personal injury, vandalism, identity theft and many other losses.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
As consumers continue to adapt to rising costs of living and shifting financial priorities, many are increasingly looking for ways to grow their money without sacrificing access to their funds. In response, AmeriCU Credit Union has introduced a new High-Rate Money Market Account designed to offer both competitive returns and liquidity.
AmeriCU is teaming up with Student Choice to host a student lending webinar on Thursday, April 23 from 12 to1 p.m. This free session will focus on the different types of student loans, financing options, and helpful resources, including scholarship search tips. Whether you’re planning ahead or already tackling college costs, this session is a great opportunity to learn and get your questions answered by experts.
Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.
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