Mortgages | AmeriCU Credit Union | Start today! 800.388.2000

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

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
  • Option of interest only payments during construction

For current rates, contact an AmeriCU Mortgage Executive.

VA Fixed Rate Mortgage

Qualifying veterans & active duty service members can finance up to 100% of the purchase price with 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

Apply for an VA 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 $726,200.00
  • 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


Katie Fairbrother

Katie Fairbrother

Mortgage Executive | Offices Located in Herkimer, and North Utica, as well as Virtual and Outbound Sales

Phone: 315.356.3000 ext. 3433

Cell: 315.281.6781

NMLS #: 1276482

Sarah Mastrovito

Mortgage Executive | Offices Located in Rome and Syracuse

Phone: 315.356.3000 ext. 3439

Cell: 315.371.5296

NMLS #: 1419017

Photo of Myles Nashton

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 at AmeriCU Headshot

Kori Wilkinson

Mortgage Executive | Offices Located in Cazenovia and Cortland

Phone: 315.356.3000 ext. 3401

Cell: 315.679.9099

NMLS #: 1638491

CNY


Ryan Jones

Mortgage Executive | Office Located in Auburn

Phone: 315.356.3000 ext. 3447

Cell: 315.371.7108

NMLS #: 2172149

Ana Maria Lasher Mortgage Executive at AmeriCU Credit Union's Liverpool Financial Center

AnaMaria Lasher

Mortgage Executive | Office Located in Liverpool

Phone: 315.356.3000 ext. 6023

Cell: 315.269.6726

NMLS #: 1718893

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

Nimer Shehadeh

Mortgage Executive | Office Located in Armory Square

Phone: 315.356.3000 ext. 6383

Cell: 315-430-6615

NMLS #: 753265

head shot of Dan Sullivan

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 at AmeriCU Headshot

Kori Wilkinson

Mortgage Executive | Offices Located in Cazenovia and Cortland

Phone: 315.356.3000 ext. 3401

Cell: 315.679.9099

NMLS #: 1638491


Photo of Cathy Heilman Feltz

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