FDSC-LIUNA

Federal Laborers' International Union of North America

Short Name
Laborers Federal Employees
Mortgage Reference

Save My Home Hotline

Find out how to save your home now

Are you having trouble paying your mortgage? Get a free, confidential talk with a housing counselor.

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The Union Plus Save My Home Hotline is provided through the non-profit Money Management International (MMI).

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Speak with a HUD-certified housing counselor
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Are you a homeowner facing financial trouble that may make you fall behind on your mortgage payments or worried that the next change in your adjustable rate mortgage (ARM) will put payments out of reach? The Union Plus Save My Home Hotline may be able to help. 

Arrange for a confidential, free consultation with expert housing counselors who can provide advice, help you find answers and develop an action plan to get your financial house in order.  

Call 866-490-5361 any time day or night, or visit one of the 100+ local offices in 22 states and the District of Columbia for face-to-face counseling.

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How does the Save My Home Hotline work?
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Fully-trained, HUD-certified counselors will discuss your individual situation and offer advice and guidance that is personalized for your situation.  

Save My Home Hotline Counselors can: 

  • Provide a free budget and spending analysis to assess your current financial situation. 

  • Explain how best to work with your lender and understand all of the options available to help you retain your home and prevent foreclosure. 

  • Protect you from future credit problems before you get too far behind on mortgage payments. 

  • Provide a written plan of action you can follow. 

  • Offer referrals to other resources, including credit and bankruptcy counseling, if appropriate. 

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FAQ
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Your questions, answered

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Who is eligible?
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The following are eligible: 

  • Dues-paying labor union members of participating unions 

  • Retired union members  

  • Spouse, domestic partners, and children (age 18+) may be included 

  • Widows/widowers of union members 

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Can the Hotline help me if I am already behind on my mortgage payments?
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Yes. The hotline's HUD-certified counselors can help you establish a budget, set priorities and explain all the available strategies to stop foreclosure and help you keep your home. Landlords and lenders often are willing to be flexible about repayment of late or missing payments. 
 
If you simply cannot make your payments, your counselor can provide advice for working with the lender. Your lender may be able to restructure your loan to a fixed rate, for example, or allow you to make smaller payments for a limited period of time (those payments will be added to the loan balance, though.) If necessary, your counselor will make referrals to other resources or alternatives such as a deed-in-lieu of foreclosure (where you essentially turn the home back over to the lender). You'll leave the session with a plan outlining actions you need to take.

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Will the counselors work directly with my lender?
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No. Unlike with credit counseling, the Save My Home Hotline counselors are unable to work directly with your lender. However, they will create an action plan to help you address your housing concerns. After the session, you should be better prepared to work with your lender. And, you may call the Hotline to speak with a counselor as many times as you need to make sure all of your questions and concerns are answered.

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What type of information should I have ready to discuss with a counselor?
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Your counseling session will consist of a review of your circumstances, including income, expenses, debts and mortgage terms. You should have the account numbers, billing addresses, current payments and balances for all creditors you owe, as well as any information from your mortgage lender, including payment amount and time delinquent (if applicable).

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What assistance is available if I have a Union Plus Mortgage?
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If you have a Union Plus Mortgage, you may also be eligible for the Union Plus Mortgage Assistance Program. 

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Need help?

If you have questions, send an email to: grants@unionplus.org

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Look what people are saying
Testimonials
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The assistance we received certainly helped us deal with the realities of the situation.

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Thomas O.
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IAFF Local 90
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Testimonial

What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

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Meesha T.
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AFT Member
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If you’re facing mortgage payment problems, talk to a HUD-certified housing counselor. It’s free and confidential.

Bankruptcy Counseling Fee Waiver

Get $50 bankruptcy filing counseling fee waived

Before you file for bankruptcy, get pre-filing counseling for free. The $50 counseling fee is waived for union members. 

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Money Management International The Union Plus Bankruptcy Counseling Fee Waiver  is available through the non-profit, Money Management International (MMI).

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Counseling is required before you declare bankruptcy
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Declaring bankruptcy is a big decision. But it may be your best option if you can’t pay your bills and your debt is mounting. The federal government requires pre-filing counseling to start the process and helps you understand how bankruptcy works.  

Union members or union retirees can get a bankruptcy counseling fee waiver when you meet with a certified counselor from the Union Plus Credit Counseling Program through Money Management International (MMI).

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FAQ
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Your questions, answered.

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Who is eligible?
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The free bankruptcy counseling filing fee waiver is currently available in the United States, but not available in Puerto Rico, Guam, Virgin Islands, and Canada. 

To be eligible, you must be: 

  • Dues-paying labor union members of participating unions 

  • Retired labor union members 

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How do I get the fee waiver?
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Call the bankruptcy line for Union Plus Credit Counseling at 866-279-7197 (available 24/7) to set up an appointment.

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Need help? 

If you have questions, send an email to  grants@unionplus.org 

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Look what people are saying
Testimonials
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Testimonial

The assistance we received certainly helped us deal with the realities of the situation.

 

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Thomas O.
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IAFF Local 90
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Quote
Testimonial

What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard-working Americans.

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Meesha T.
Attribution Line 2
AFT Member
Description

Get the $50 bankruptcy pre-filing counseling fee waived.

Disaster Relief Grants

Get a $500 grant if you’re affected by a disaster

If you’ve been impacted by a natural disaster, you may be eligible to receive a $500 disaster relief grant that doesn’t have to be repaid. 

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If you participate in these Union Plus programs, you may be eligible for a Disaster Grant.
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Are you a Union Plus Credit Card or Teamster Privilege Credit Card cardholder?
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Call 800-622-2580 to speak directly with a specially trained representative. Representatives in the United States handle all customer service calls to the Union Plus Credit Card Program.* 

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Not a Union Plus or Teamster Privilege Credit Cardholder?
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Union Plus Mortgage, Union Plus Life, Accident, Union Plus Auto Insurance, Union Plus Personal Loan and Union Plus Retiree Healthcare holders should call 800-472-2005 to speak to a Union Plus staff member. 

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Your questions, answered.

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Who is eligible?
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To be considered for a Union Plus Disaster Relief Grant, the union member must:

  1. Have Union Plus Credit Card or Teamster Privilege Credit Card  for at least three (3) months,  Union Plus Mortgage,  Union Plus Life  or  Accidental Death Insurance,  Union Plus Retiree Healthcare  or  Union Plus Auto Insurance  policy for at least 12 months, or  Union Plus Personal Loan  for at least six (6) months with the account or policy in good standing (be up-to-date on payments). 
  2. Have your primary residence located in a county or parish affected by a natural disaster listed in a Federal Emergency Management Agency (FEMA) Disaster Declaration offering "Individual Assistance." 
  3. Contact Union Plus to initiate a claim for a grant within twelve (12) months of the incident date. 
  4. Have not received a disaster relief grant in the past, as these grants are once-per-lifetime. 
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Has my county or parish been designated for Individual Assistance?
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Not all FEMA disaster declarations include "Individual Disaster Assistance." To check if your county or parish has been designated as an area eligible for individual assistance, visit  FEMA’s disaster declarations page

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Are grants taxable income?
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Grants may be considered taxable income by the Internal Revenue Service. Therefore, a Form 1099-MISC tax reporting form will be issued to each recipient of grants valued at $600 or more.

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What other assistance is available?
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Disaster victims who participate in the  Union Plus Mortgage  programs may be eligible to receive payment extensions or other special help from the program providers. 

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Need help?

If you have questions about disaster relief grants, please contact one of the following: 

Union Plus Credit Card or Teamster Privilege Credit Card cardholders
Call  800-622-2580

Union Plus Mortgage
Union Plus Life, Accident and Auto Insurance
Union Plus Retiree Healthcare
Union Plus Personal Loan holders
 
Call  800-472-2005

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Look what people are saying
Testimonials
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Testimonial

The assistance we received certainly helped us deal with the realities of the situation.

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Thomas O.
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IAFF Local 90
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Testimonial

I made a phone call, and wow—one phone call to Union Plus—they really helped me out. It was incredible. It was almost like a dream.

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John S.
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IBEW
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Testimonial

What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

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Meesha T.
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AFT Member
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These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan (“The Plan”).  Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Union Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Grants may not be offered in every state.

The Union Plus Credit Cards and Teamster Privilege Credit Cards are issued by Capital One, N.A. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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If you’ve been impacted by a natural disaster, you may be eligible to receive a $500 disaster relief grant that doesn't have to be repaid. 

Wells Fargo Mortgage Program

Wells Fargo helps union members with home financing

Get mortgage gifts and other exclusive benefits for union members when you buy or refinance a home with Wells Fargo Home Mortgage.

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Wells Fargo Home Mortgage

Financing available for union members from Wells Fargo Home Mortgage.

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Buy a new home or refinance your current one
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Buy a Home
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Receive special benefits including a $500  My Mortgage GiftSM  award  from Wells Fargo Home Mortgage after closing.1

Through the program, you have access to Wells Fargo's full range of home financing programs, including  your First MortgageSM, a low down payment option for both first and repeat homebuyers.

Talk to a home mortgage consultant about loan amount, type of loan, property type and homebuyer education requirements to ensure eligibility. Keep in mind that with a low down payment, mortgage insurance will be required, which increases the cost of the loan and will increase your monthly payment. We’ll explain the options available, so you can choose what works for you.

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Refinance a Home
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Looking to refinance? The Union Plus Mortgage program might be able to help you lower your monthly mortgage payments and/or shorten your loan term.

 

 

 

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When you refinance and mention your eligibility as a verified union member, you'll receive a $300 My Mortgage GiftSM award from Wells Fargo Home Mortgage after closing to be used at participating retailers.1

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Veterans get even more cash back
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If you’re a veteran and you purchase a primary residence, you may be eligible for a one-time grant of $1,000 from Union Plus after you close on your home purchase.

You must submit your application for a Veteran’s Grant no later than 90 days after the closing date of your Union Plus mortgage.

*This grant is from AFL-CIO MBF.

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FAQ
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Your questions, answered.

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Who is eligible?
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Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands. 

The Union Plus Mortgage Program is available to: 

  • Dues-paying labor union members of participating unions 

  • Retired labor union members 

  • Spouses, children and parents of union members 

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What happens if I experience income loss?
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When you buy or refinance a home through the Union Plus Mortgage program and experience income loss, turn to  Union Plus Mortgage Assistance. The program provides interest-free loans and grants to help you make mortgage payments when you're disabled, unemployed, locked out, or on strike.

Over the life of the Union Plus mortgage assistance program, we've provided more than $12 million in assistance to union members.  Check details and eligibility for loan/grant assistance.

Note: The first $1,000 of the loan benefit is a one-per-lifetime grant that does not need to be repaid. If you qualify for the mortgage assistance program, you will also receive an additional, one-time only $1,000 grant paid directly to you.

For questions about the Union Plus mortgage assistance program, call 800-472-2005.

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Need help?

If you have questions about your Union Plus Mortgage, contact: 

Wells Fargo Customer Service 
800-222-0238 
Mon-Fri: 6 am-10 pm 
Sat: 8 am-2 pm CT 

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 800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or  online

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Look what people are saying
Testimonials
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Testimonial

Union Plus provides great opportunities and huge discounts! Who doesn't love discounts?

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Ashley Massey
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Union Member
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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

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Meesha Townsen
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AFT Member
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1Eligible individuals can receive the Wells Fargo My Mortgage GiftSM award approximately 6 weeks after closing on a new purchase or refinance loan secured by an eligible first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval, and closing, when identifying themselves as eligible. The My Mortgage Gift award is not available with The Relocation Mortgage Program® or to any Wells Fargo team member. Only one My Mortgage Gift award is permitted per eligible New Loan. This award cannot be combined with any other award, discount, or rebate, except as described in the Terms and Conditions. This award is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income. Federal, state, and local taxes, and any use of the award not otherwise specified in the Terms and Conditions (also provided at receipt of award) are the sole responsibility of the My Mortgage Gift recipient Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.© 2020 All rights reserved. NMLSR ID 399801.

Wells Fargo Home Mortgage has a services agreement with Union Privilege in which Union Privilege receives a financial benefit for providing agreed upon services. You are encouraged to shop around to ensure you are receiving the best services and the best rate for your home financing needs.

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Call 1-866-802-7307 for a consultation

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