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About me

Welcome to the A.C. Advantage

Your Journey, My Commitment

With over two decades of experience in the mortgage industry and deep roots in Central Pennsylvania, I understand that buying a home is much more than just a transaction - it's a life-changing experience. My Mission is to ensure that every client I work with feels like family, supported and cared for throughout the entire mortgage process. Also, my commitment to you does not end once the mortgage process is over. I'm here to build a relationship long after the keys are handed over.

Experience You Can Trust

Having worked in the mortgage industry since 1993, I bring a wealth of expertise and in-depth local knowledge to every transaction. Whether you're a first-time homebuyer or looking to refinance, I will simplify your mortgage journey and provide you with personalized, straightforward solutions.

Commitment to Honest Communication

Clear, transparent communication is at the core of everything I do. From the first meeting to the final closing, I make sure you understand your options, the process and the next steps. I'm here to answer your questions, address your concerns, and ensure you feel confident every step of the way.

Local Expertise

As a native to Central Pennsylvania, I'm not only familiar with the area, but deeply invested in its community. Whether you're looking to buy your first home or seeking a new home that suits your family's needs, I take pride in being your go-to expert for all things mortgage in our region. And not just mortgages, if you are looking for a great meal, I can also recommend the best restaurants in town.

Let's Connect!

Ready to start your mortgage journey with a partner who truly cares? Contact me today and let's discuss how I can help you achieve your homeownership or refinance goals.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.99 out of 5.0 stars
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5.0
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5.0
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5.0
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5.0
Karley
Dec 2, 2025
Middletown, PA
Experience logo
Amy is amazing and made the process so easy!
Samuel
Nov 28, 2025
Mifflintown, PA
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Amy Czyzyk was amazing! Always in a good mood, answered all our questions. she is very helpful and patien...See more
Clarissa
Nov 25, 2025
Mifflintown, PA
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Amy was extremely helpful and treated us with respect . She answered every question we had and was always a...See more
Titus
Nov 24, 2025
Mount Wolf, PA
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The communication and cadence was spot on! Any questions or comcerns we had were addressed immediately. ...See more
Joseph
Nov 21, 2025
Harrisburg, PA
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This was the easiest loan process I ever had.
Amy
Nov 17, 2025
Harrisburg, PA
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Amy is AMAZING. She worked extremely closely with me, from my first call literally to the settlement table. She is knowl...See more

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Awards

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Causes & Memberships

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NMLS ID #1139018

I am authorized to do business in the state of Pennsylvania.

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