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Homeowner Help

In the current economic crisis, many working families are struggling to maintain the American dream of homeownership. People are worried about making mortgage payments or facing foreclosure notices. Many are concerned about mortgage payments due to a divorce or a medical condition with mounting hospital bills.

People don't know where to turn for help. There are so many scams and disinformation out there. That's why Union Plus has put together these free resources and reliable contacts to point you in the right direction.

  • Mortgage Checkup: Are You a Healthy Homeowner? - The housing market continues to do poorly in some parts of the country, leaving homeowners hurting. Click here for four questions to help you understand whether you are in good shape when it comes to your home loan.
     
  • Making Home Affordable Programs Help Homeowners - You may have heard about the government program to help homeowners save their homes, and wonder whether you qualify.
     
  • Five Tips to Avoid Foreclosure - If you are worried about keeping up with your house payments, you may be stressed, overwhelmed, depressed or just plain tired. Click here for five essential steps for solving your mortgage crisis.
     
  • Foreclosure FAQ - Have a specific question? Click her for answers to many frequently asked questions.
     
  • Debt Collection Laws: Know Your Rights - You have rights when dealing with debt collectors and it is important to understand how debt collection laws can protect you against unfair collection tactics.


Programs
 

  • Save My Home Hotline - free and confidential counseling from HUD-certified counselors. Available 24/7.
     
  • Mortgage Assistance - qualified Union Plus Mortgage holders can get a Mortgage Assistance Loan, which provides an interest-free loan for up to six months to help members cover their mortgage payments. Plus, $1,000 of the loan does not have to be repaid.
     
  • Credit Counseling - free budget advice and qualified union members can avoid set up fees for DMPs.
     
  • Legal Service - includes bankruptcy attorneys and a search for a lawyer in your area.
     
  • myFICO - save 15% on credit scores/reports, credit monitoring, advice on how to improve your score.

Member Comments

Union Benefits Locator

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Union Plus benefits are for union families. Select your union and you’ll see the Union Plus programs your union offers. Why?

Select Union

Most AFL-CIO and Change-to-Win unions participate in most Union Plus benefits, but some international unions elect not to offer all the programs. So in order to access all of the programs your union participates in, select your union from the drop down menu.

You can start using your union’s Union Plus benefits today! (No membership in Union Plus or the Union Plus Credit Card is required.)

Either Select a Union

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Union Plus Credit Card

Union members are automatically eligible for their union's Union Plus benefits and you do not need to be a Union Plus Credit Cardholder in order to access your union's Union Plus benefits.

But - if you are a Union Plus Credit Cardholder, you could be eligible for additional discounts.

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Or Find Your Union by Occupation

  • Not a union member? Find out how to join one.
  • Help if you do not know your union

    Help if you don’t know your union

    Your union membership dictates which Union Plus benefits you are eligible to use.

    1. What your national union’s name (not just your local number)? Scroll through the list we have to see if you recognize your union.
    2. What type of work do you do (select your occupation)?
    3. Do you have a union member card or union publication/letter that shows the name of your union? Find something with the name of your union, not just a local number.
    4. Is there a shop steward or work colleague you can ask what the name of your union is? You can even ask your human resources department to tell you the full name of your union?
    5. Do you have a Union Plus Credit Card? If so, the name and logo for your international union should appear on the front of the card.
    .

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