Help when you can't pay your mortgage
Are you concerned about missing a house payment because you're disabled, laid off, locked out or on strike? If you've had a Union Plus home mortgage for a year or more, you're protected.
How mortgage assistance helps union members
Union Plus Mortgage Assistance provides interest-free loans and grants to help you make mortgage payments when you're disabled, unemployed, locked out or on strike. If you qualify for the Mortgage Assistance loan benefit, you’ll also receive a one-time grant of $1,000 paid directly to you.
The program has provided more than $12 million in assistance to union members.
If you've had a Union Plus home mortgage for a year or more, you're protected with our unique Mortgage Assistance Program administered through the AFL-CIO Mutual Benefit Plan. Read the Plan's Eligibility and Benefits.
- You must have a Union Plus mortgage for at least one (1) year.
- You or your eligible cosigner are out of work due to a union-approved strike, lockout, involuntary unemployment, or disability;
- Your income or the eligible cosigner's income is reduced by an amount equal to at least 50% of the monthly mortgage payment;
- The income loss occurred within one (1) year of your application.
Documentation verifying your union membership, out-of-work status and related income loss is required at the time you apply for benefits.
To apply for mortgage assistance, you'll need:
- A working printer to print out forms after you've completed the application.
- An email address, so we can contact you about your application.
- Your most recent Union Plus mortgage statement must be included with your printed application.
- The name of your union and the local number.
- Your monthly gross (before-tax) income when you're working a full-time schedule.
- Your monthly gross (before-tax) unemployment or disability benefits (sickness & accident, worker's compensation, etc.).
- The last day you worked.
*If you're unable to apply online and need an application mailed to you, please call 800-472-2005 to request one by mail. To expedite your request please be sure to leave a detailed message, including your full name, full mailing address and phone number. Please slowly and clearly spell out your name, your street and city names.
Apply for mortgage assistance
If you've had a Union Plus home mortgage for a year or more, you're protected. Click the button below to complete the mortgage assistance form.Apply now
Look what people are saying
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.
John S. IBEW
The assistance we received certainly helped us deal with the realities of the situation.
Thomas O. IAFF Local 90
What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard-working Americans.
Meesha T. AFT Member
More helpful benefits
If you’re facing mortgage payment problems, talk to a HUD-certified housing counselor. It’s free and confidential.
Get the $50 bankruptcy pre-filing counseling fee waived.
If you’re on strike, you may be eligible for a grant that you'll never need to repay.