Mortgage & Real Estate Program

AFGE’s Union Plus Mortgage & Real Estate makes refinancing and home-buying easier and more affordable for AFGE members. Through Chase Manhattan Mortgage Corporation, one of the largest lenders in the U.S., AFGE members can take advantage of convenient mortgage programs. Easy application process right over the phone or in-person

  • Assistance for members if they become disabled.
  • Mortgage loans to purchase or refinance your home
  • Loan programs for borrowers with “less than perfect” credit
  • Down payments as low as 5% - and even lower for qualified buyers
  • $350 toward closing costs (for buyers who use both the real estate and mortgage portions of the program)

Home Financing Made Simple
Financing a home can be a complicated business. Our mortgage counselors will walk you through the entire process of buying, selling and refinancing homes. We also offer special programs for first-time buyers.

Personal Service
Prefer doing your mortgage arrangements in person? You can set up face-to-face appointments by calling a local Chase branch office and identifying your AFGE membership.

Savings on Real Estate Fees
Through a special agreement, AFGE members are entitled to money-saving real estate services which include:

  • A $350 closing cost credit when member uses the Real Estate and Mortgage Program together.
  • A free home warranty plan for the seller with a value of $350 to $450

To be eligible for these benefits, you must call Union Member Mortgage and Real Estate to register.

North American Van Lines
Made your home selection and now are packing up and moving out? The AFGE member-only discount means you can save on your interstate move.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Members can get more information and answers to these questions:

  • What is homeowners insurance?
  • What is in a standard homeowners insurance policy?
  • Are there different types of policies?
  • What type of insurance do I need for a co-op or condo?
  • What type of disasters are covered?
  • Can I own a home without homeowners insurance?
  • How do I take a home inventory and why?
  • What’s the difference between cancellation and non-renewal?
  • How much homeowners insurance do I need?
  • How should I choose a company?
  • Where can I buy insurance?
  • How much will it cost?
  • How can I save money?
  • What if I can’t get coverage?
  • How often should I review my policy?
  • Should I purchase an umbrella liability policy?
  • How do I file a homeowners claim?
  • How does the payment process work?
  • How is the settlement amount determined?
  • What can I do if I am having trouble settling my claim?
  • What is a public adjuster?
  • How can I avoid scams after a disaster?