Protected by the Mortgage Relief Program (MRP)
The Safety Net You Cannot Get Anywhere Else
Only Members with active Teamster Home Advantage mortgages are backed by the Mortgage Relief Program (MRP). If disability, strike, or lockout interrupts your income, MRP can make payments directly to your lender during an approved assistance period. No other mortgage includes this level of union protection or peace of mind.
MRP PROGRAM PLAN BENEFITS
DISABILITY GRANT PROGRAM
UP TO 6 MONTHS OF MORTGAGE PAYMENTS AS A NO-REPAYMENT GRANT.
Payments made directly to the mortgage servicer.
Eligible for members whose weekly income is reduced by at least 20% due to a disability.
Disability and income loss must occur after the third (3rd) consecutive month of having a Teamster Home Advantage mortgage.
STRIKE OR LOCKOUT GRANT PROGRAM
Up to 6 months of mortgage payments as a no-repayment grant.
Eligible for members who are out of work and loss of income for at least thirty (30) consecutive days due to a strike or lockout.
Payments made directly to the mortgage servicer.
Strike or lockout must occur after the Teamster Home Advantage mortgage has been in good standing for at least three (3) consecutive months.
The Mortgage Relief Program is a structured benefit administered according to established program guidelines, with all benefits subject to defined eligibility criteria, program limits, and plan terms.
MRP ONLINE CLAIM SUBMISSIONS
The Mortgage Relief Program is administered by Union One Benefits Administration, Inc., an independent program administrator responsible for managing claims in accordance with program terms.
IMPORTANT INFORMATION
Mortgage Readiness Platform, Consumer Choice, and Program Protections
The Teamster Home Advantage Program is a mortgage readiness platform designed to help Teamster Members prepare for homeownership. Through the Program, Members have access to educational resources, planning tools, and a personalized mortgage readiness profile that helps them understand affordability considerations and general readiness indicators before pursuing a mortgage.
Members retain full control over their readiness profile. Members may choose to print or export their readiness profile and provide it directly to any mortgage lender of their choosing, whether or not that lender participates in the Teamster Home Advantage Program. The Teamster Home Advantage Program does not require Members to use a participating lender and does not restrict a Member’s ability to shop for, compare, or obtain mortgage financing outside the Program.
Members may elect, at their express direction, to transmit their readiness profile to a participating lender within the Teamster Home Advantage Program framework and may be eligible for additional program features or mortgage options offered by participating lenders, subject to the lender’s eligibility criteria.
Certain union-sponsored benefits and protections, including the Teamster Home Advantage Program Mortgage Relief Payment (MRP), apply only to qualifying mortgages originated through participating lenders within the Teamster Home Advantage Program framework. Mortgages originated outside the Program framework are not eligible for these program-specific protections. Members remain free to choose the lender and mortgage option that best meets their individual needs.
