We will be closed on Monday, Jan. 18, in observance of Martin Luther King Jr. Day. We will re-open for normal business hours on Tuesday, Jan. 19. For your convenience, our automated phone system will be available, and you will continue to have full access to digital banking.
Looking for your stimulus money? Direct-deposit Economic Impact Payments have been posted to member accounts – with at least one exception. Your funds could be delayed if they were routed through your tax preparation service. If you believe this is the case, please check with your preparer.
If you expect to receive a check or debit card, they are scheduled to be issued by the federal government through the week of January 21.
Individuals can expect the full $600 if they reported adjusted gross earnings up to $75,000 on their 2019 tax return; $1,200 for couples with adjusted gross earnings up to $150,000 in 2019. Eligible families receive $600 per dependent child. Benefits decline at higher income levels then phase out. See stimulus information from the IRS.
CAP COM is providing PPP application assistance to eligible business members via our approved third-party lender. See CAP COM updates.
As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.
Your savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.
Lee Carman, Chief Lending Officer
Lee Carman has been active in financial services since 1993. As Chief Lending Officer (CLO), he oversees consumer, commercial, and real estate lending. Previously, Lee held leadership positions at National Union Bank of Kinderhook for almost nine years, most recently serving as Senior Vice President of Lending. During his time at the bank, he was a key contributor to its overall growth. This growth was driven by the development of efficient processes and significant commercial loan volume, and a streamlined residential loan process for applicants. Lee’s service to the community is also extensive, spanning board and committee seats for local non-profits, fundraising initiatives, and political representation on the Guilderland Town Board, as well terms as an Albany County Legislator.
A Capital Region resident her whole life, Ginny has been in the mortgage industry for more than 25 years and has a wealth of experience to share with her team. She has helped guide our mortgage division to become one of the most successful in the region and is often called upon as a workshop panelist. Sharing her knowledge with homebuyers and mortgage professionals is most rewarding for her.
Arthur Chuang, VP of Mortgage Servicing and Loss Mitigation
A resident of the Capital District for most of his life, Arthur has enjoyed sailing on the Great Sacandaga Lake since he was 12. With a passion for providing quality service, he will help you chart a course toward successful home ownership. Arthur has more than 25 years of experience in loss mitigation and he looks forward to helping families come up with practical solutions that make sense and are easy to understand.
Chrystal Muir, Manager of Lending Operations
With more than 33 years of experience in the mortgage industry, it's possible Chrystal may have already helped you close on a loan. A Schenectady native, she loves everything about her job and couldn't imagine doing anything else. When she's not spending time with her family, she's making it as easy as possible for your family to buy a home.
Josh has been in the mortgage business for more than 13 years, eight of them at Homeowners Advantage. He's lived in this area of upstate NY all his life and enjoys vacationing, spending time with his family and going to concerts. The best part of his job is helping people achieve their dream of homeownership.
Melissa has lived in upstate New York her entire life and has been active in the mortgage industry for more than 20 years. She loves hearing from you, whether it’s to give a shoutout or for feedback, she may even reach out to you just to check in and say hello! By utilizing her experience and knowledge, she strives to make your mortgage experience the best it can be.
Prioritizing family and educational growth, Bilal's goal is to make sure you have all the information you need to make the best decision when you buy the house your family will call home. An avid runner, Bilal grew up in Schenectady and he is ready to help you take the next step toward home ownership.
Ask Brian about the competitive rates and programs Homeowners Advantage has to offer when you are getting ready to buy a home – it's his favorite thing to talk to members about! When he's not helping you with your mortgage, you'll find him camping or watching his kids' sporting events.
Let Chuck guide you through the home-buying process and match you with a mortgage that meets your needs and budget. Because Chuck has served as mortgage loan officer in the Capital Region since 1996, many happy homeowners have obtained mortgages through him. In his free time, Chuck enjoys golfing, boating, fishing and spending vacations in Florida.
Helping you fulfill you dream of homeownership is what Chris does best. He enjoys the challenge of matching a borrower with the product that fits their life and maybe even saves them a little bit of money each month. He's looking forward to helping walk you through the homebuying process. When he is not working on projects around the house, he enjoys being outside, golfing, and bowling.
Eric has a wealth of knowledge from more than 14 years in the mortgage business. During his time at Homeowners Advantage, he has worked closely with many buyers and truly enjoys helping people. The satisfaction he gets from helping people extends to his charity work in the Capital Region. Eric is a self-proclaimed foodie and, in his spare time, loves to cook and try new craft beers.
A resident of Rotterdam his entire life, Jason is passionate about his family, the Yankees and helping you achieve your dream of homeownership. With more than 17 years in the mortgage industry, he enjoys being able to make a positive impact on your financial well-being. A huge baseball fan, Jason also enjoys summertime barbecues, kayaking and spending time with family and friends.
With more than 16 years of mortgage experience, Jessica's knowledge of government and conventional loans allows her to match buyers with the mortgage that best suits their needs. She believes buying a home is not a time for surprises so she ensures that her buyers are armed with knowledge, not just a pre-approval letter.
Jim has more than 20 years of mortgage expertise. While a lot has changed over the past two decades, his systematic approach continues to foster a smooth home-buying process for his clients. He'll take the time to discuss your short and long-term financial goals in order to help you choose the appropriate mortgage. Jim's other passion is coaching youth football and lacrosse.
Nick has served the Capital Region as a mortgage professional for more than 15 years. He believes it's important to listen carefully to a homebuyer's needs – whether it's their first or tenth home purchase. Providing you with all financing options, he can help ensure you have the information you need to choose the best loan.
Snowmobiling and boating are some of Rob’s favorite ways to enjoy his time away from work. His experience in the mortgage industry spans more than 14 years in the Capital Region. His favorite part of the job is being there every step of the way for first-time homebuyers as they make this important decision.