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Selling your Current Home?
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Union Member Mortgage and Real Estate

AFL-CIO Housing Investment Trust

North American Van Lines Discount

Also, CSEA Region 1 & the Local 881
have negotiated a working relationship with Wells Fargo Home Mortgage.
They have made a rep available to our members.
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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 loans are made through Chase Manhattan Mortgage Corporation. The union has no involvement in the loan decisions. AFSCME District Council 37 should contact their representatives for program information.

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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