FHA Fixed-Rate Mortgage
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.
- Low down payment
- Fixed rate for the entire loan term
- Available on 1-4 Family Units
First-Time Homebuyer Mortgages
Buying your first home? AmeriCU offers first-time homebuyer programs in New York, with grant opportunities and flexible loan solutions designed just for you.
- Down payment assistance and closing cost grants
- Homeownership counseling resources
- Low down payment mortgage options
Adjustable-Rate Mortgage (ARM)
Lower your initial monthly payments with an adjustable-rate mortgage – a smart choice if you expect to sell or refinance before rates change.
- Lower initial interest rate
- Flexible terms
- Mortgage insurance is required with less than 20% down payment
Construction Loans
Turn your plans into reality with a construction loan from AmeriCU. Build your dream home with financing designed for single-family construction projects.
- Flexible terms
- Interest-only payments during construction
- Adjustable-rate options available
VA-Fixed Rate Mortgage
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.
- No down payment for qualifying borrowers
- Low fixed rates
- Flexible terms
Conventional Fixed-Rate Mortgage
Enjoy the stability of steady, predictable mortgage payments. A conventional loan is ideal if you’re planning to stay in your home long-term.
- Down payments as low as 3%
- 10 to 30 year terms available
- Mortgage insurance is required if your downpayment is less than 20%
New Homebuyers
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.
Jumbo Mortgage Loans
Purchasing a larger property? A jumbo loan may be the right fit for you. AmeriCU offers competitive rates on loans exceeding $726,200.
- Fixed or adjustable rate options
- Flexible terms
- Personalized guidance from mortgage experts
SONYMA Mortgages
State of New York Mortgage Agency (SONYMA) helps make homeownership affordable for first-time homebuyers.
- Competitive, fixed rates
- Flexible credit requirements
- Designed for first-time homebuyers
USDA Mortgages
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!
- No down payment required
- 30-year fixed-rate loan
- Must be primary residence in USDA-approved area
- Visit the USDA website for all eligibility information
Financial Education
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:
- Explore interactive courses on mortgages, credit, and money management
- Learn how to budget for your new home and plan for the future
- Access education anytime, anywhere, on any device
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
Shauna Grant-Chernoff
Mortgage Executive | Offices Located in Auburn and Fayetteville
Phone: 315.356.3000 ext. 3439
Cell: 315.373.8704
NMLS #: 1460014
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
You may also be interested in
Home Equity Lines + Loans
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.
Credit Cards
Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Property Insurance
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!
Latest From AmeriCU
News
Missed Our Debt Management Webinar? Watch the Recording On Demand
Our recent Debt Management Webinar provided practical tips for understanding debt, improving credit health, creating a budget, and exploring effective debt repayment strategies. Watch the recording to gain valuable insights and tools that can help you take control of your financial future.
Events
Keeseville Business Association’s Summer Music Festival – Friction
The Keeseville Summer Music Festival is a free community concert series held every Friday evening from 6:00–8:00 PM throughout July and August at Riverside Park in Keeseville. The festival features a lineup of local and regional bands performing live music in a scenic outdoor setting, creating an enjoyable experience for residents and visitors of all ages.
Education
Creating a Budget for Back-to-School Shopping
This course teaches the fundamentals of creating and managing a budget so you can better understand your income, expenses, and spending habits. By applying these budgeting strategies to back-to-school shopping, you can maximize your money and stay on track with your financial goals.
*Program Availability & Terms
- Program begins February 9, 2026
- Funds are limited and available on a first-come, first-served basis
- No guarantee of approval
- For full details, visit Federal Home Loan Bank of New York’s