What Does Your “Welcome Home” Look Like?
Is it a cozy reading nook, a wagging tail at the door, the sound of laughter in the backyard, or a warm wave from your new neighbor? However you picture it, your version of home is personal, and AmeriCU Credit Union is here to help make it real.
You’ve been preparing for this moment saving diligently, scrolling through listings, imagining the life you’ll build. Now, you’re ready to take the next step. And when you are, we’re ready too with the tools, guidance, and support to help you find and finance the home you’ve always dreamed of.
Because at AmeriCU, we don’t just help you buy a house, we help you come home.
AmeriCU is Here to Help Every Step of the Way
AmeriCU is Here to Help Every Step of the Way
Buying a home is a big milestone and we’re here to make sure you feel confident and prepared. Here are four simple, member-focused steps to help you get started:
1. Track Your Spending with Purpose:
Take a close look at where your money goes each month. Are there areas like streaming subscriptions or frequent dining out where you could cut back? Redirecting even small amounts toward your savings can bring you closer to your down payment goal faster.
2. Know (and Grow) Your Credit Score:
Your credit score plays a big role in the mortgage rate you’ll qualify for. Stay on top of it by paying bills on time and keeping credit card balances low. A stronger score can mean better loan terms and more home for your money.
3. Explore the Local Market:
Start researching home prices in your area to get a realistic sense of what you can afford. Knowing the median home value helps you set a clear savings target and plan with confidence.
4. Ask Questions:
We’re here for you, you don’t have to figure it all out alone. AmeriCU’s certified financial counselors are ready to guide you from the moment you decide to start saving. Whether it’s budgeting, credit tips, or understanding mortgage options, we’re just a conversation away.
SONYMA Mortgages
State of New York Mortgage Agency (SONYMA) helps make homeownership affordable for first-time homebuyers by offering special, low-interest loans, and down payment assistance.
- As little as 3% down
- Up to $15,000 toward your down payment
- Competitive, fixed rates
- Flexible credit requirements
- Designed for first-time homebuyers
Learn more about SONYMA and see if it’s the right fit for you or talk with one our mortgage representatives below to get started today!
Mortgage Calculators and Tools
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
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Credit Union Receives Approval to Expand Membership Eligibility Across New York State
AmeriCU Credit Union announced today that it has received approval from the New York State Department of Financial Services (DFS) for its application to expand its field of membership, allowing the credit union to serve individuals, families, and businesses in 27 additional counties across New York State.
Events
Keeseville Business Association’s Summer Music Festival – Fiddler’s Dream
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
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.
Membership eligibility is required. Insured by NCUA. Equal Housing Lender.