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Mortgages

AmeriCU Mortgages

Whether you are looking to buy your first home, buy a new home, build the home of your dreams or refinance your current home, we have a program to fit your needs. Your home is one of the biggest investments you’ll make in your life, so choosing the right mortgage program is important. AmeriCU is here to be your trusted advisor & guide you to homeownership. Plus, all of our lending decisions are made locally. Contact a Mortgage Executive today! We offer a variety of mortgages including:

 

Conventional Fixed Rate Mortgage

A fixed rate means steady, predictable monthly payments for the term of the loan. An ideal choice if you’re planning to live in your new home for many years to come.

  • Down payments as low as 5%
  • 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.

Apply for a conventional fixed rate mortgage today.

Construction Loans

Building your dream home? AmeriCU can help you!

  • A variety of terms available
  • Fixed or adjustable rates available

For current rates, contact an AmeriCU Mortgage Executive.

AmeriCU Veterans Fixed Rate Mortgage

Qualifying veterans & active duty service members can finance up to 100% of the purchase price with no mortgage insurance – and 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 price with no mortgage insurance

Apply for an AmeriCU Veterans fixed rate mortgage today.

Contact an AmeriCU Mortgage Executive to get started today!

Jumbo Mortgage Loans

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

  • For loans over $510,400
  • Fixed or adjustable rates
  • A variety of terms available

For current rates, contact an AmeriCU Mortgage Executive.

Adjustable Rate Mortgage (ARM)

These mortgages offer lower initial interest rates and payments for a fixed period. After the initial period, the rate adjusts annually. A great choice if you’re not sure how long you plan to own your home and are comfortable with a payment that can change over time.

  • Mortgage insurance is required with less than 20% down payment

Apply for an ARM today.

Contact an AmeriCU Mortgage Executive to get started today!

Additional Resources

Mortgage Resource Center

Mortgage Resource Center

Start learning with Our Mortgage Resource Center. Take advantage of helpful calculators to determine what fits your budget, find tips for every step of the home buying process, get familiar with mortgage terminology, and more.

Home Equity Options

Home Equity Options

If you’re planning to refinance, AmeriCU has two great options so you can choose which is right for you. A cash out refinance allows you to tap the equity in your home to consolidate debt, make home improvements, take a vacation, or pay for college. Rate and/or term refinance allows you to shorten your term to pay off your mortgage more quickly or at a lower rate.

Keep in mind, refinancing may not be the best option if you are planning to move within three to five years, as you will not recoup the associated costs. Instead, consider home equity loans and lines.

AmeriCU Mortgage Executives


Photo of Cathy Heilman Feltz

Cathy Heilman-Feltz

Mortgage Executive, Jefferson & Lewis Counties

Phone: 315.356.3000 ext. 6325

Cell: 315.783.9390

NMLS #: 623938

Photo of Patrick Mautner

Patrick Mautner

Mortgage Executive, Oneida, Herkimer + Madison Counties

Phone: 315.356.3000 ext. 3255

Cell: 315.225.4720

NMLS #: 586751

Photo of Myles Nashton

Myles Nashton

Mortgage Executive, Oneida, Herkimer & Madison Counties

Phone: 315.356.3000 ext. 6253

Cell: 315.762.2102

NMLS #: 623940

photo of Tony Merrow

Tony Merrow

Mortgage Executive, Liverpool

Phone: 315.356.3000 ext. 6023

Cell: 315.334.2944

NMLS #: 641982

headshot of David Husnay

David Husnay

Mortgage Loan Officer - Internal Sales

Phone: 315.356.3000 ext. 3337

Cell: 315.338.3150

NMLS #: 1182166

head shot of Dan Sullivan

Daniel Sullivan

Mortgage Executive, Syracuse

Phone: 315.356.3000 ext. 6243

Cell: 315.371.6956

NMLS #: 1923483

head shot of Clara Bader

Clara Bader

Mortgage Executive, Cicero, Fayetteville, Camillus

Phone: 315.356.3000 ext. 6112

Cell: 315.371.5853

NMLS #: 1952872

Head shot of Sarah Mastrovito

Sarah Mastrovito

Mortgage Executive

Phone: 315.356.3000 ext. 3439

Cell: 315.371.5296

NMLS #: 1419017