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Looking to purchase a new home?
Selling your current home?
Find the benefits to help you here.
Click on links Below
Union Member Mortgage and Real Estate
AFL-CIO
Housing Investment Trust
North American Van Lines
Discount
Branch Offices
To set up face-to-face appointments to discuss a mortgage, union members
may call a local Chase branch office and identify their union membership.
The Program listed below can also arrange for home-buying seminars to
be presented to your local union.
Want information about a mortgage loan in a state that is not listed?
Call 1-800-416-5786.
Need information about loan programs for borrowers with "less than
perfect" credit?
Call 1-888-310-1357.
Alabama: 888-851-2803; Linda McCoy
Arizona: 800-748-8380; Jeff Martensen, ext. 216
Arkansas: 866-851-727-4837; Claude Cousins
California:
Northern, CA - 800-894-5440; Craig Jantzen, ext. 207
Southern, CA - 866-847-2869; Joel Lyle
Colorado: 800-544-9161;Cheri West, ext. 16791
Connecticut: 800-955-5363; Rob Cowley, ext. 222
Delaware: 888-266-2363; Kim Ryan
District of Columbia: 888-266-2363; Kim Ryan
Florida: 800-940-4005; Patty Campbell, ext. 221
Georgia: 770-716-2207; Marie Jarrard
Illinois & Indiana: 800-475-7933; Jody Stephen
Kansas: 800-813-6407; Lisa Smith
Louisiana: 800-554-9917; Marie Ruppel, ext. 207
Maryland: 888-266-2363; Kim Ryan
Massachusetts: 800-692-8300; Scott Loring
Michigan: 800-379-1563; Kim Fuhrmann
Minnesota: 877-707-3717; Roger Omlid
Missouri: 888-332-0403; Amy Jeep
Nevada: 800-700-2696; Vickie Lamonte, ext. 319
New Hampshire: 603-625-0309; Bob Ricard
New Jersey: 888-266-2363; Kim Ryan
New York:
Downstate-866-860-2313; Martha Abrams,
ext. 2102
Upstate-888-619-6914; Ed Denning, ext. 408
North Carolina: 888-266-2363; Kim Ryan
Ohio: 800-689-0271; Mike Ayers
Oklahoma: 800-210-3630; Robin Verrette
Oregon: 866-832-4466;Joel Richardson, ext. 207
Pennsylvania: 888-266-2363; Kim Ryan
Rhode Island: 401-737-8989; Karen Fletcher
South Carolina: 866-894-1401; Cindy Roberts
Tennessee: 615-370-1650; Nancy Lunan
Texas: 800-227-8705; Greg White, ext. 214
Utah: 801-466-1792; Tom Adler
Virginia: 888-266-2363; Kim Ryan
Washington: 800-752-1403; Jack Thompson, ext. 212
Wisconsin: 866-832-2579; Roger Omlind, ext. 321
The Union Member Mortgage and Real Estate
program is available to union members, their parents and their sons
and daughters. Traditional program features include low down payments,
competitive rates, special help for first-time buyers and assistance
fund benefits for members who are laid off or disabled. To date, the
program has provided over $1.3 billion in mortgage loans to union members.For
program details or to apply for a mortgage over the phone (including
in areas not covered by branch office locations), members of participating
unions may call 1-800-848-6466.
Mortgage and Real Estate
Program
Offers Members-Only Benefits
Thanks to Union Member Mortgage and Real Estate, buying or selling a
home has never been easier or more affordable for union members and
their immediate families. And thanks to several recent mortgage benefits
enhancements, this popular program now serves members of participating
unions even better.
Key program features include a $350 credit toward closing costs, which
typically covers the credit check and home appraisal. (This savings
benefit is applied only in instances where the member closes a program
loan and uses the program's real estate benefit to purchase the home.)
Regional pricing flexibility is also available to better serve members
in competitive real estate markets. And Federal Housing Administration
(FHA) loans, Veteran's Administration (VA) loans and local bond programs
are now available to members in most states.
In addition, the program features competitive rates, low down payments
and the convenience of either handling the entire mortgage process over
the phone or in person (in areas where the mortgage lender has branch
offices).
The program's real estate benefit, which is available by calling the
same toll-free number, offers members that list a home for sale a comprehensive
home warranty plan (a $350 value) at no additional cost. This home warranty
plan provides members with valuable protection from unexpected breakdowns
in the home's mechanical systems and appliances while their home is
on the market, and for a full year after the home is sold. It also enhances
the homes marketability.
"Union Member Mortgage and Real Estate can add up to real savings
for members who use all parts of the program," said Union Plus
President Leslie Tolf.
"If you add the mortgage benefits plus the typical $350 value of
the home warranty plan, you end up saving $700 when you both buy and
sell through the program. Plus, you have the convenience of handling
the entire process over the phone."
Savings and convenience aren't the only benefits Union Member Mortgage
and Real Estate has to offer. The program also includes several union-members-only
features such as assistance fund benefits for members who are laid off
or disabled.
Of particular help to members just entering the housing market are the
program's first-time buyers features. These options allow qualified
applicants (including members, their parents and their sons and daughters)
to put as little as 3 percent down when buying a home. (The typical
down payment required by many lenders is a minimum of 5 percent.)
"With the first-time buyers benefits, members who previously were
shut out of the housing market may now be eligible for the loan they
need to purchase a home," said Tolf. "Union Member Mortgage
and Real Estate helps make the American dream of owning a home a reality."
Mortgage loans are made through Chase Manhattan Mortgage Corp. The union
has no involvement in loan decisions.
Program Facts
Buying a home is one of the largest and most
important purchases in most people's lives. And selling a home is often
just as complicated. But that's where Union Member Mortgage and Real
Estate comes in. This program helps take care of the complete mortgage
and real estate process for union members and their sons, daughters
and parents.
The Union Member Mortgage and Real Estate program makes the mortgage
application process easier and more affordable. One phone call puts
members in touch with an expert mortgage consultant who can help find
a mortgage suited to the member's needs.
Members who list their homes for sale through a participating real estate
agent, will receive a comprehensive home warranty plan (a $350 value)
at no additional cost. This home warranty plan provides members with
valuable protection from unexpected breakdowns in the home's mechanical
system and appliances while their home is on the market, and for a full
year after the home is sold. It also enhances the home's marketability.
Members receive expert assistance from specially trained mortgage and
real estate counselors. Union Member Mortgage and Real Estate is especially
helpful to first-time home buyers. With flexible qualification guidelines
and lower down payments, the program can help many first-time buyers
realize the American dream of owning their own home. Under program qualification
rules, individuals who meet specific program eligibility requirements
may be eligible for down payments as low as 3 percent, as well as low-cost,
no-points loans and expanded loan approval criteria.
Strike and unemployment/disability benefits are available after an individual
has had a Union Member Mortgage and Real Estate mortgage for one year.
These unique benefits are available to assist with mortgage payments
if a member (or his or her spouse) becomes unemployed as a result of
a layoff or disability.
For program details or to apply for a mortgage
over the phone (including in areas not covered by branch office locations,
members of participating unions may call 1-800-848-6466.
Union Member Mortgage
and Real Estate
Buying, selling and refinancing made easier, more affordable.
Visit
the new Home Finance Center for additional information
on getting mortgages Click Here
Including:
Click on Links Below
Step-by-step
guide to the mortgage process
Planning
calculators
Sample
mortgage application
Glossary
of home financing terms
Frequently-asked
questions on homebuying
Union Member Mortgage & Real Estate is the only program of its kind
created especially for union members to meet your specific home buying,
selling and refinancing needs. With Union Member Mortgage & Real
Estate you will enjoy these advantages:
-
Save an average of $150
on initial fees (varies by state)
-
Save an average of $250
to $1,000 on closing costs (varies by state)
-
Save an additional $350
on closing costs when you use the real estate portion of the program
to purchase*
-
Unemployment/disability
coverage at no additional expense**
-
Financing for manufactured
housing
-
Special programs for first-time
home buyers
-
Available to parents and
children of union members
-
"Understanding Your
Credit" seminars
And we make it easy ? call toll-free 1-800-848-6466
(Mon.-Fri., 8:30am-7pm ET; se habla espa?ol) to apply over the phone
or visit any Chase branch location across the country to apply in person.
To finance a manufactured home,
call 1-800-514-2155 (Mon.-Fri., 8am-12am, Sat. 10am-6pm ET).
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North American Van Lines Discount Offers 40 Percent Savings on Interstate
Moves
If you're planning an interstate move, your AFSCME membership can help
you save when you use North American Van Lines for an interstate move.
Under an exclusive agreement with AFSCME Advantage,
North American is offering union members 40 percent discounts on the
company's filed rates. In addition, AFSCME members also will receive
up to $50,000 in replacement cost protection at no charge. Other members-only
benefits include:
A 30-percent discount on storage-in-transit
service, good for up to 90 days of storage
Up to $50,000 worth of free replacement cost
coverage on stored items
Exclusion from regular summer rate increases
The North American Van Lines discount -- another
money-saving benefit available exclusively to you through Union Family
Savers.
For more information or to arrange for a free
estimate call toll-free 1-800-524-5533 (8 a.m. to 6 p.m. ET, Mon. -
Fri.) Simply mention your union membership when you call to make your
reservation. Don't forget to ask about the company's convenient payment
plan.
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