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UFCW member achieves American dream

Posted on September 8, 2013
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Ufcw first time homebuyer 2013

At an age when many are living in a house full of roommates, bunking at a friend's home, or sleeping in their childhood bedroom, United Food and Commercial Workers (UFCW), Local 1546 member, Carlos Martinez stands out among his generation. Thanks to the Union Plus Mortgage program, Martinez, 21, of Chicago, Illinois, has already achieved the American dream of home ownership.  Martinez exemplifies how the Union Plus Mortgage program can help active and retired union members and their families own a home of their own.

The Union Plus Mortgage program with financing provided by Wells Fargo Home Mortgage, features unique benefits designed to meet the needs of union families. The program has provided $43.6 billion in mortgages to help more than 200,000 union members buy or refinance a home.

Union Plus Mortgage program benefits are available to retired and active union members, their parents and children. Some of the benefits of the program include:

  • Hardship Assistance -- Union Plus Mortgage Assistance helps members and their families who are unemployed, recently disabled, on strike or locked out make their mortgage payments with interest-free loans and grants. Mortgage Assistance has provided almost $10 million to help members keep their loans current and stay in their homes.
  • Award Card â€" Union members and their families may receive a $500 Wells Fargo My Mortgage Giftâ„  award card after closing on a purchase or refinance loan.*
  • Incentive for First-Time Home Buyers --Union members who are first-time buyers, like Martinez, can apply for a $500 First-Time Home Award from Union Plus. To apply, active or retired union members who used the Union Plus Mortgage program to purchase their first home simply fill out an application and provide a short, written description of their Union Plus Mortgage program experience and why home ownership matters.

"I really am glad that my loan officer at Wells Fargo Home Mortgage told me I was eligible for a Union Plus Mortgage," says Martinez. "I not only got a mortgage I could afford, I also now have special protections to help pay my mortgage if I can't work. I don't know of another mortgage that would help union members the way the Union Plus Mortgage does. It was a big help to get a $500 gift award card after closing and then a $500 first-time home buyer award check after sharing my first-time buyer experience with Union Plus."   

Martinez used his $500 First-Time Home Award to buy furniture and decorative items to help transform his house into a home. "Receiving the $500 award from Union Plus was icing on the cake. It was an easy process to apply for the cash award, and the money came at a great time," says Martinez, who is engaged to be married. 

Martinez adds, "My fiancée and I are excited to start our lives together in our own home.  It's a good size rambler and because it was just renovated, we don't need to do any major work on it.  Plus, it's a great neighborhood -- the people are friendly and they are family-oriented. It's a great fit. Thank you, Union Plus, for helping me achieve my goals every step of the way. Buying a home can be stressful, but Union Plus and Wells Fargo Home Mortgage had my back."

Martinez' new home is a short drive to the food processing plant where he has worked for the past three years. It is the same facility where his father, Carlos Martinez, Sr., also a member of UFCW Local 1546, has worked for 17 years. Despite having grown up in a union household, Martinez was unaware of all the Union Plus discounts and services available to union families.

"I'm glad I didn't miss out. I hope union members check out all the Union Plus discounts, and if they're looking to buy a house, they need to check out the mortgage program. Union Plus Mortgage is the best program. It can save you money, give you financial security if you can't work, and help with the expense of being a homeowner," says Martinez.

*Eligible individuals can receive the Wells Fargo My Mortgage Gift℠ promotion in the amount of $500.00 approximately 6 weeks after closing on a new purchase or refinance loan secured by a first mortgage or deed of trust with Wells Fargo Home Mortgage, subject to qualification, approval and closing, when identifying themselves as eligible under the Union Plus Mortgage program. The My Mortgage Gift℠ promotion is not available with any Wells Fargo Three-Step Refinance SYSTEM® program, The Relocation Mortgage Program℠ or the HOME program. Only one award permitted per new loan. This promotion cannot be combined with any other promotion, discount or rebate. This promotion is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Gifts may constitute taxable income. Federal, state and local taxes, and any use of the gift not otherwise specified in the Terms and Conditions provided at receipt of gift are the sole responsibility of the My Mortgage Gift℠ recipient. Please see Terms and Conditions document for more information.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801


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