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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.

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

For current rates, contact an AmeriCU Mortgage Executive.

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

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 Myles Nashton

Myles Nashton

Mortgage Executive | Offices Located in Commercial Drive, Rome, and Oneida

Phone: 315.356.3000 ext. 6253

Cell: 315.762.2102

NMLS #: 623940

Katie Fairbrother

Katie Fairbrother

Mortgage Executive | Offices Located in North Utica & Herkimer as well as Virtual Appointments

Phone: 315.356.3000 ext. 3433

Cell: 315.281.6781

NMLS #: 1276482

Sarah Mastrovito

Mortgage Executive | Offices Located in Cazenovia, Cortland, and Syracuse

Phone: 315.356.3000 ext. 3439

Cell: 315.371.5296

NMLS #: 1419017

Photo of Cathy Heilman Feltz

Cathy Heilman-Feltz

Mortgage Executive | Offices Located in Griffiss Park, Watertown, Lowville, and Fort Drum

Phone: 315.356.3000 ext. 6325

Cell: 315.783.9390

NMLS #: 623938

CNY


head shot of Dan Sullivan

Daniel Sullivan

Mortgage Executive | Offices Located in Camillus, Cicero, Fayetteville, and Onondaga Hill

Phone: 315.356.3000 ext. 6243

Cell: 315.371.6956

NMLS #: 1923483

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 Cazenovia, Cortland, and Syracuse

Phone: 315.356.3000 ext. 3439

Cell: 315.371.5296

NMLS #: 1419017


Photo of Cathy Heilman Feltz

Cathy Heilman-Feltz

Mortgage Executive | Offices Located in Griffiss Park, Watertown, Lowville, and Fort Drum

Phone: 315.356.3000 ext. 6325

Cell: 315.783.9390

NMLS #: 623938