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Home Equity and Home Equity Line of Credit Loans


Apply for a fixed rate Home Equity loan.

Apply for a variable rate Home Equity Line of Credit loan.

Home is more than four walls and a roof, it's where we build memories. Your home may have the potential for even more than memories. The equity in your home can be used as a smart, low-cost way to finance repairs, improvements, major purchases, or special events.

  • Home Equity Loans are fixed rate loans that have the same payment each month for a specific term. Apply online For A Home Equity Loan.
  • Home Equity Line of Credit (HELOC) Loans are a variable rate loan that you access as you need it. The interest rate changes with the prime rate and you borrow at the best rate available at that time. As you pay down your balance borrowed, you increase your available credit for future borrowing. A good resource to understand more about a HELOC is available on the Consumer Financial Protection Bureau (CFPB) website at   Click to open the brochure titled "What You Should Know About Home Equity Lines of Credit" located in the Mortgage section.  Apply online For A Home Equity Loan.
Please leave a message or call an ACMG loan officer at 315-488-4433 or 315-701-4466 if you have questions on whether a home equity loan is the best solution for your needs, or to start your application today!

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.
View for complete information on the Federal Fair Housing Act.

ACMG follows the standards for licensing and registration established by the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act). Our registered Mortgage Loan Originators are: Jeanine M. Kavney (794981), Kathy Redmond (1586130), Lena Mangovski (1589439), Shari Weaver (88579), Vicki H. O’Neill (794984) and Mary Lou Ryfun (794983). Our Owners Choice mortgage consultant is Janet Seeley (1423680).

The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of this data, send a written request to 1753 Milton Avenue, Solvay NY 13209.