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Union Plus

AFL-CIO Union Plus benefits help current and retired labor union members and their families save money and support them through major milestones, celebrations and hardships. Learn More.
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Mortgages for Union Families

Learn more about the special benefits available to union members,
their parents and children.

Phone CALL (866) 802-7307 M-F 7am - 9pm CT, Sat 8am - 4:30pm CT

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As part of your application for a mortgage loan and to receive program benefits, complete and sign the union verification form.

Buying a home

The Union Plus® Mortgage program, with financing available through Wells Fargo Home Mortgage, can help you purchase a home while also receiving special benefits by virtue of your union membership.

For qualifying members, exclusive benefits include a $500 My Mortgage GiftSM award card1 from Wells Fargo Home Mortgage and, from Union Plus, special hardship assistance.

Through the program, you have access to Wells Fargo’s full range of home financing programs, including yourFirst MortgageSM, a low down payment option with the opportunity to earn a lower interest rate through homebuyer education for both first and repeat homebuyers.

Talk to a home mortgage consultant about loan amount, type of loan and type of property to ensure eligibility.

The $500 First-Time Home Award will be discontinued. In order to be eligible, you must have closed on your purchase loan by 12/31/16 and you will need to apply for the award within 90 days of your closing date. Applications must be received by 3/31/17.

$1,000 Mortgage Veterans Grant program for union members who've served in the U.S. armed forces.

The $1,000 Veterans Grant will be discontinued. In order to be eligible, you must have closed on your purchase loan by 12/31/16 and you will need to apply for the award within 90 days of your closing date.  Applications must be received by 3/31/17.

How the "Welcome to Your First-Home Award" works:

If you're an active or retired union member and used Union Plus Mortgage to purchase your first home, we'd like to hear from you. Share your story by completing an application and providing us a short, written description of your experience with the Union Plus Mortgage process and what owning your first home means to you. As a token of appreciation for your story, we'll send you a check for $500*.

Download the eligibility guidelines, instructions and application here.

If you're unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.


Refinancing a home

Looking to refinance? The Union Plus Mortgage program, with financing from Wells Fargo Home Mortgage, might be able to help you lower your monthly mortgage payments and/or shorten your loan term.
The program provides a broad range of financing options to help meet the needs of most borrowers -- and when you refinance, you'll receive a $300 My Mortgage GiftSM award from Wells Fargo Home Mortgage after closing.1 You'll also be eligible for special hardship assistance from Union Plus.

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
  • Alliance for Retired Americans members who are retired union members are eligible


Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands.
  • ONLY current/retired union members are eligible for the Welcome to Your First Home Award
  • ONLY current/retired union members, their spouses, parents and children are eligible for the Union Plus mortgage assistance program

Peace of mind with unique union assistance

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 $11 million in assistance to union members. Check details and eligibility for loan/grant assistance here. Note: The first $1,000 is a grant that does not need to be repaid.
For questions about the Union Plus mortgage assistance program, call 1-800-472-2005.

Other resources for ALL union members:

  1. Eligible 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 GiftSM award is not available with any Wells Fargo Three-Step Refinance SYSTEM® program, 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 for yourFirstMortgageSM. 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 are the sole responsibility of the My Mortgage GiftSM recipient.

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 services and loan terms that fit your home financing needs.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.© 2016 All rights reserved. NMLSR ID 399801.

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