May 22, 2012 | We think this info is worth passing on to you: First Choice Lending of New Jersey, Inc., a financial company represented by Teamsters 830, continues to offer mortgage refinance assistance for union members. In a recent email from First Choice we learned that mortgage rates are near all-time lows, and changing an adjustable rate mortgage to a fixed rate can save hundreds of dollars per month. In addition, First Choice is participating in the Home Affordable Refinance Program (HARP), the government program that helps a homeowner with declining home value get a new, more affordable, more stable mortgage. For more information, click here.