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Mortgages
- Unique mortgage assistance - exclusively for union families - has provided over $8 million in interest free loans and unemployment, disability and strike benefits to help you make mortgage payments.
- Low closing costs (non-third party fees capped at $100) for refinancing & home purchases. Other lenders' fees are $500-$1,000+.
- Buy your first home using Union Plus and earn $500 to help you with "new home" expenses.
- To apply, call 1-800-416-5786 - all calls are answered in the U.S. - or find a branch location near you. If you are a union leader and want to learn more about the program, find a Relationship Manager in your area.
- Facing financial hardship and getting behind on your mortgage payments? Contact the Save My Home Hotline at 1-866-490-5361.
Find the Right Mortgage for Your Life
Financing a home can be a complicated business, so why not leave it to the mortgage experts? Our Chase mortgage experts will walk you through the entire process of buying, selling and refinancing homes. We also offer special mortgage programs for first-time buyers.
Union Plus Mortgage has provided 100,000 mortgages to union families. Parents and children of union members are also eligible for Union Plus mortgages.
Apply for a Mortgage Today
Call us at 1-800-416-5786 (8:00 a.m. to 10:00 p.m. E.T. Mon – Fri; 9:00 a.m. to 5:00 p.m. E.T. Sat) to speak to a loan officer directly and make yourself at home. Reps dedicated to the union member market will be happy to answer your questions.
Find a branch location near you
If you are a union leader and would like more information for your members, contact a Relationship Manager near you by selecting your state:
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Mortgage
Program Features -
First Home
Award -
Concerned about
the credit crisis? - Eligibility
- FAQs
- Customer Service
Mortgage
Program Features
- Your Chase mortgage expert can make a side-by-side comparison between the Union Plus mortgage and the other mortgages you may be considering.
- We listen. Tell us your questions or concerns and we’ll help you figure out how much money you need up front to buy a house, help you choose the loan that best suits your needs and supply you with the estimates on the required down payment and closing costs.
- Call to check on getting pre-approved — which gives you an advantage over other buyers by allowing you to house hunt as a “cash buyer”.
- Advice from Chase mortgage experts and an easy application process right over the phone or in-person.
- Down payments as low as 5% - and even lower for qualified buyers.
- Special programs for first-time homebuyers.
- A strike and unemployment/disability fund.
- Mortgage loans to purchase or refinance your home.
- Parents and children of union members are also eligible for Union Plus mortgages.
- Interest rates, calculators and other resources for home buyers are available here.
First Home
Award
If you're an active or retired member and use Union Plus Mortgage to buy your first home, we'll give you the chance to earn a Welcome to Your First Home Award ($500 to help with "new home" expenses).
Within 90 days after you close your mortgage loan, we'll mail you an application, a Union Membership Verification form and a pre-addressed envelope.
To apply, you must return to us by the deadline shown on the application the following:
- The completed application form
- The Union Verification form, completed by you and a representative of your local union
- An essay (up to 500 words, typed or printed legibly) describing your experience with the Union Plus Mortgage loan process and what owning your first home means to you.
Within 60 days after we get all information from you, a $500 check will be mailed to you.
By accepting the award, you give Union Privilege permission to use your name; photograph (if one is supplied); your application responses; and all or parts of your essay in its publications/Web site, as well as your union's publications and Web site with no additional compensation by the sponsors of this award.
Family members of union members and agency fee payers are not eligible for First Home Awards. Only union members are eligible for First Home Awards.
Concerned about
the credit crisis?
We protect union members. Chase, the provider of Union Plus Mortgages, has
- No negative amortizing loans.
- Full disclosure for adjustable rate mortgages.
- To make sure union members have the right product, every loan must pass a net benefit test to make sure loans are in the borrower’s best interest.
- All borrowers are encouraged to contact Chase for a “mortgage check-up” to make sure that their mortgage is still right for them.
In fact, 92% of Union Plus Mortgage holders have fixed-rate loans, meaning that union members in our program are less exposed to the dangers of the current mortgage crisis.
Home foreclosures are up. Are you at risk? If you are facing financial trouble, you may be at risk of missing a mortgage payment. Falling behind on your payments would mean even more trouble for you. The Union Plus Save My Home Hotline may be able to help. Don't wait until it's too late — call 1-866-490-5361, any time day or night.
The Home Mortgage Disclosure Act (HMDA) provides the public with loan data that can be used to assess how financial institutions are serving the housing needs of their communities.
Are you struggling with debt? Find resources and tools to help at UnionDebtHelp.org. And call Union Plus Credit Counseling at 1-877-833-1745 for a free budget analysis and advice.
Eligibility
Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands.
Who is eligible?
- All dues-paying labor union members
- Union member retirees
- Spouse and domestic partners of union members
- Parents and children of union members
FAQs
Q: I don't know where to begin in my search for a house. Any advice?
A: Contact your Chase mortgage expert. They will be happy to answer all of your home-buying questions-from how much house you can afford, to what type of mortgage will best suit your needs.
Q: What does it take to get approved for a mortgage?
A: Ideally, you should have a good credit history, a record of stable employment and savings for a down payment. Contact your Chase mortgage expert.
Q: How much money do I need upfront to buy a house?
A: You will need cash for the down payment and the closing costs. Some mortgage lenders, on average, require at least 10% down, but Union Plus Mortgage and Real Estate lets you buy a house for 5% down (and as little as 3% for qualified buyers).
Q: How do I know if I'm getting a good rate?
A: Your Union Plus program counselor can make a side-by-side comparison between the union mortgage and other mortgages you may be considering. Contact your Chase mortgage expert.
Customer Service
Union Plus Mortgage has dedicated Chase call center reps who are experienced mortgage professionals specially-trained to work with union members.
Already have a Union Plus mortgage with Chase and need assistance? Call 1-800-848-9136 or log in to manage your existing Chase mortgage account on the main Chase site.
We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 1-800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or online at UnionPlus.org/Customer.
Related Union Plus Programs
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Union Leader Materials
- Leaders can order free bulk materials by calling the Union Plus Leader Line at 1-800-472-2005 or 202-293-5330 (M-F, 8:30 - 4:30 pm ET) in the Washington, D.C. metro area.
- Place an ad or article about Mortgage in your union publication(s).
- Create a link to all your union’s Union Plus benefits on your union’s Web site.
- Print a handy benefits guide and customize it with your local union’s name.
- Union membership doesn't cost - it pays! Do you and your members know how much (on average) they could save annually if they used the Union Plus discounts? Calculate your savings now.
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