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Wireless Phones
Michigan Mortgages
The Union Plus Difference
- Unique mortgage assistance only for union families: Unemployment/disability and strike benefits to help you make mortgage payments when you're out of work - including applications for interest-free loans for disabled or unemployed union members facing financial hardship
- Union member-only savings on closing costs
- Parents and children of union members are also eligible for Union Plus mortgages
- All customer service calls answered in the U.S.
- Eligible for first-time home buyer rewards
- Over 12,000 union members have already successfully used the Union Plus Mortgage program
"Saving money for working families is my #1 goal!"
Marsha Kerr-Walatka
Phone:
1-877-864-6654
Secondary Phone:
313-595-6374
Email: Marsha.L.Kerr-Walatka@chase.com
Mail:
100 Bloomfield Hills Parkway
Bloomfield Hills Michigan 48304
Languages:
Years of Mortgage Experience:
Serving Union Membership Since:
1986
Union Plus Mortgage & Real Estate makes refinancing and home-buying easier and more affordable for working families in Michigan and throughout the US.
Through Chase's Home Lending Division, one of the largest lenders in the U.S., union members can take advantage of Michigan mortgages. Call 1-877-864-6654 to apply or ask questions.
Michigan mortgages made simple
Financing a home can be a complicated business, so why not leave it to the mortgage experts? Our mortgage counselors 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 personal service with Michigan Mortgages — with a smile and a handshake
You can set up face-to-face appointments by calling your Michigan mortgages representative at 1-877-864-6654 and identifying your union.
Already have a Union Plus mortgage with Chase and need assistance? Call 1-877-864-6654.
All financing is provided by JP Morgan Chase & Co.
Movers and shakers
Made your home selection and now are packing up and moving out? The Union Plus Moving Van Discount program means you can save on your interstate move.
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.
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.
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.
