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Today in Labor History

August 15, 2008
Eight automotive department employees at a Walmart near Ottawa won an arbitrator-imposed contract after voting for UFCW representation, becoming the giant retailer's only location in North America with a collective bargaining agreement. Two months later the company closed the department. Three years earlier Walmart had closed an entire store on the same day the government announced an arbitrator would impose a contract agreement there. Union Communication Services

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Affordable Home Refinancing Offered by First Choice
Posted On: Jan 03, 2012

The union mortgage company, First Choice Lending of New Jersey, has announced they will be participating in the Home Affordable Refinance Program (HARP).

First Choice knows that there are many homeowners who are eligible to refinance under HARP and those are the borrowers we want to reach.

The program has been updated allowing more homeowner’s to take advantage of the program. The New HARP Mortgage Program Guidelines, beginning December 1, 2011 have several benefits for home owners:

The program has been extended until December 31, 2013.

The maximum Loan to Value (LTV) cap has been removed on homeowners looking to refinance in to a fixed rate mortgage.

However, for homeowners looking to refinance in to an adjustable rate mortgage the maximum LTV is set at 105%.

The appraisal process has been streamlined; in cases where an automated value can be determined an appraisal would not be required.

Building on the industry’s experience with HARP over the last two years, First Choice has identified several changes that will make the program accessible to more borrowers with mortgages owned or guaranteed by the Enterprises. Our goal in pursuing these changes is to create refinancing opportunities for these borrowers, while reducing risk for Fannie Mae and Freddie Mac and bringing a measure of stability to housing markets.

First Choice Lending is recommending homeowners to call in and see if there loan is owned by Fannie Mae or Freddie Mac, to determine there eligibility. ??

Please call 215-750-6190 today to see how we can assist your members with the Union Mortgage program.







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Updated: Aug. 15 (16:43)

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