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Home Equity Loans and Home Equity Line of Credit

Members - Only Offer: HELOC rates as low as 2.75% APR* - We offer a No Closing Costs option for both Home Equity and HELOC loans! Call (315) 488-4433 with questions or use the links below to apply online.

*Annual Percentage Rate. Quoted rate is based on credit worthiness, qualifications, and collateral conditions. All loans are subject to approval. Your actual APR may vary. Excludes refinancing of existing ACMG loans and Owners Choice Funding mortgages.

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Benefit from Your Home's Equity

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. ACMG offers low rates and great service on home loans and home equity loans in Syracuse and Upstate New York.

Home Equity Loan Options

  • 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. We offer a NO Closing Cost Option and discounts for a 1st lien position. Choose from a 5, 10, 15 or 20 year term. 
  • 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. We offer a NO Closing Cost Option with terms of a 10 year draw period and 15 year repayment for a total of 25 years.

A good resource to learn more about a HELOC or to connect with a Housing Counselor can be found 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" or the "Locate a Housing Counselor" link in the Mortgage section.

Apply online For A Home Equity Loan

View current rates by clicking here.


Please leave a message or call an ACMG loan officer at 315-488-4433 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 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), Derrick Reed (1268034), Amy Sherwood (671456), Lena Mangovski (1589439), Meghan Birmingham (2176224), Christine Mineo (2117849), and Andrew Hurley (1434117).

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.