LOGIN MENU 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! CONTACT A MORTGAGE EXECUTIVE GET PRE-QUALIFIED APPLY FOR A MORTGAGE Additional Resources 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 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. Helpful Mortgage Calculators Calculate a Mortgage Payment Rent or Buy? Home Affordability AmeriCU Mortgage Executives Cathy Heilman-Feltz Mortgage Executive, Jefferson & Lewis Counties Phone: 315.356.3000 ext. 6325 Cell: 315.783.9390 cathyf@americu.org NMLS #: 623938 Patrick Mautner Mortgage Executive, Oneida, Herkimer + Madison Counties Phone: 315.356.3000 ext. 3255 Cell: 315.225.4720 patm@AmeriCU.org NMLS #: 586751 Myles Nashton Mortgage Executive, Oneida, Herkimer & Madison Counties Phone: 315.356.3000 ext. 6253 Cell: 315.762.2102 mylesn@americu.org NMLS #: 623940 Tony Merrow Mortgage Executive, Liverpool Phone: 315.356.3000 ext. 6023 Cell: 315.334.2944 tonym@americu.org NMLS #: 641982 David Husnay Mortgage Loan Officer - Internal Sales Phone: 315.356.3000 ext. 3337 Cell: 315.338.3150 davidh@americu.org NMLS #: 1182166 Daniel Sullivan Mortgage Executive, Syracuse Phone: 315.356.3000 ext. 6243 Cell: 315.371.6956 daniels@americu.org NMLS #: 1923483 Clara Bader Mortgage Executive, Cicero, Fayetteville, Camillus Phone: 315.356.3000 ext. 6112 Cell: 315.371.5853 clara.bader@americu.org NMLS #: 1952872 Sarah Mastrovito Mortgage Executive Phone: 315.356.3000 ext. 3439 Cell: 315.371.5296 sarahma@americu.org NMLS #: 1419017 Ryan Jones Mortgage Executive, Auburn Phone: 315.356.3000 ext. 3447 Cell: 315.371.7108 ryan.jones@americu.org NMLS #: 2172149 Equal Housing Lender - Federally insured by NCUA Membership restrictions apply Copyright © AmeriCU Credit Union. All Rights Reserved. Member Security Center Career Center Terms + Conditions Disclosures Privacy Policies Web Accessibility Contest Rules Holiday Closings Current Offers