Routing Number: 221375802
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!
AmeriCU’s knowledgeable Mortgage Executives are here to help you through every step of the process. Our Mortgage Resource Center, with lots of information and interactive calculators, is a great place to start learning more! Or you can check out the many Mortgage types we offer below. Let us help you live life, dream big, and achieve financial success.
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.
Home loans are not one-size-fits-all. With so many options, it can be difficult to know what to choose! Our Mortgage Executives can help you review your options and help you make the best choice for you. Contact a Mortgage Executive today! We offer a variety of mortgages including:
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.
Building your dream home? AmeriCU can help you!
Great for first time homebuyers and people with lower down payments or minor credit issues. A fixed rate means no surprises — you know what your payment will be for the life of the loan. With as little as a 3.5% down payment required, this loan type also has less strict credit requirements. Mortgage insurance is required and typically paid over the life of the loan.
Qualifying veterans & active duty service members can finance up to 100% of the purchase price with no mortgage insurance – and a low fixed rate!
Looking to make a large real estate purchase? AmeriCU offers jumbo loans.
These mortgages offer lower initial interest rates and payments for a fixed period (1, 3, 5, 7, 10 or 15 years). 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 Executive, Jefferson & Lewis Counties
Phone: 315.356.3000 ext. 6325
Cell: 315.783.9390
NMLS #: 623938
Mortgage Executive, Oneida, Herkimer + Madison Counties
Phone: 315.356.3000 ext. 3255
Cell: 315.225.4720
NMLS #: 586751
Mortgage Executive, Oneida, Herkimer & Madison Counties
Phone: 315.356.3000 ext. 6253
Cell: 315.762.2102
NMLS #: 623940
Mortgage Executive, Liverpool
Phone: 315.356.3000 ext. 6023
Cell: 315.334.2944
NMLS #: 641982
Mortgage Loan Officer - Internal Sales
Phone: 315.356.3000 ext. 3337
Cell: 315.338.3150
NMLS #: 1182166
Mortgage Executive, Syracuse
Phone: 315.356.3000 ext. 6243
Cell: 315.371.6956
NMLS #: 1923483
Mortgage Executive, Cicero, Fayetteville, Camillus
Phone: 315.356.3000 ext. 6112
NMLS #: 1952872
