
Mortgages
Make the Move with AmeriCU
Make the move with a mortgage from AmeriCU! The market may be changing, but our commitment to saving you money and getting you into a new home has not. AmeriCU’s mortgage experts will be by your side from application through closing, answering all your questions along the way! Fixed or variable rate? First time homebuyer or veteran? AmeriCU has a mortgage to get you there. It’s still a great time to buy, so make the move with AmeriCU!
Tips from AmeriCU Mortgage Experts
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 3%
- Fixed rate for the term of the loan
- 10 to 30 year terms available
- Mortgage insurance is required with less than 20% down payment
Construction Loans
Building your dream home? AmeriCU can help you!
- A variety of terms available
- Fixed or adjustable rates available
- Option of interest only payments during construction
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 $647,200
- Fixed or adjustable rates
- A variety of terms available
Camp Cottage Program
We also have programs to finance your camp, cottage, or second home. Contact a Mortgage Executive to learn more!
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
Contact an AmeriCU Mortgage Executive to get started today!
Additional Resources
AmeriCU Mortgage Executives

Katie Fairbrother
Mortgage Executive | Office Located in Herkimer as well as Virtual and Outbound Sales
Phone: 315.356.3000 ext. 3433
Cell: 315.281.6781
NMLS #: 1276482

Amel Kovacevic
Mortgage Executive | Office Located in North Utica
Phone: 315.356.3000 ext. 3467
Cell: 315.527.2539
NMLS #: 1400109

Sarah Mastrovito
Mortgage Executive | Offices Located in Rome and Syracuse
Phone: 315.356.3000 ext. 3439
Cell: 315.371.5296
NMLS #: 1419017

Myles Nashton
Mortgage Executive | Offices Located in Commercial Drive, Griffiss Park and Oneida
Phone: 315.356.3000 ext. 6253
Cell: 315.762.2102
NMLS #: 623940

Kori Wilkinson
Mortgage Executive | Offices Located in Cazenovia and Cortland
Phone: 315.356.3000 ext. 3401
Cell: 315.679.9099
NMLS #: 1638491

Ryan Jones
Mortgage Executive | Offices Located in Armory Square, Auburn, and Liverpool
Phone: 315.356.3000 ext. 3447
Cell: 315.371.7108
NMLS #: 2172149

Sarah Mastrovito
Mortgage Executive | Offices Located in Rome and Syracuse
Phone: 315.356.3000 ext. 3439
Cell: 315.371.5296
NMLS #: 1419017

Erika Plumpton
Mortgage Executive | Office Located in Cicero
Phone: 315.356.3000 ext. 3346
Cell: 315.408.5365
NMLS #: 1759409

Daniel Sullivan
Mortgage Executive | Offices Located in Camillus, Fayetteville, and Onondaga Hill
Phone: 315.356.3000 ext. 6243
Cell: 315.371.6956
NMLS #: 1923483

Kori Wilkinson
Mortgage Executive | Offices Located in Cazenovia and Cortland
Phone: 315.356.3000 ext. 3401
Cell: 315.679.9099
NMLS #: 1638491

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