Business Details
27 Years
experience
No-Fee Union Mortgage Loans for Union Members
Members Mortgage Corp was founded in 1999 with a clear mission to provide honest, affordable mortgage solutions specifically for union members and their families. Our program was initially designed for New York City police and firefighter unions but quickly expanded to serve over 150 unions nationwide. We have saved union members more than $50 million in mortgage-related costs through our no-fee structure, where we receive compensation directly from lenders rather than charging borrowers upfront fees.Our team combines decades of mortgage expertise with cutting-edge technology to streamline the loan process while maintaining personalized service. We specialize in fixed-rate, adjustable-rate, reverse, and jumbo mortgages, with a focus on meeting the unique needs of union members through flexible underwriting and specialized programs. Our commitment to transparency, customer education, and exceptional service has resulted in over 25,000 successful loan closings.
Services
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
Reverse Mortgages
Jumbo Loans
Refinancing Programs
Details
- Year established: 1999
Highlights and features
- We offer $0 upfront fees or points for union members
- Our team has 20+ years of union mortgage specialization
- We employ advanced mortgage technology for faster approvals
- We provide personalized service with dedicated loan specialists
- Our program has saved union members over $50 million
Associations and certifications
- NYS Department of Financial Services
- Florida State Banking Department
What people say
Outstanding job
Went above and beyond
Made process easy
Saved significant money
Professional team
Services
Fixed-Rate Mortgages
Our fixed-rate mortgages offer consistent monthly payments with rates locked for the entire loan term. This service provides financial predictability for budget-conscious borrowers. We offer 15-, 20-, and 30-year terms with competitive rates backed by our lender partnerships.
Reverse Mortgages
Designed for homeowners aged 62+, reverse mortgages convert home equity into tax-free income. We specialize in HUD-approved programs with counseling requirements to ensure proper understanding of loan terms and obligations.
Refinancing Programs
Our refinancing options help lower monthly payments through rate-and-term adjustments or cash-out solutions. We analyze current market conditions to determine optimal timing for refinancing decisions.
Jumbo Loans
For high-value properties exceeding conventional loan limits, our jumbo loans provide tailored financing solutions. We offer competitive pricing with flexible documentation options for qualified borrowers.
Adjustable-Rate Mortgages
These mortgages feature initial fixed-rate periods followed by periodic adjustments. Ideal for borrowers planning shorter ownership periods, offering lower initial rates compared to fixed-rate alternatives.
People
Kerry Fleming
Marketing Director
Licensed mortgage professional with 15+ years of experience in financial services marketing. Specializes in developing targeted outreach programs for union members.
Ann Fleming
President
Registered mortgage broker with NYS and Florida licenses since 2005. Oversees all operational aspects of the company's mortgage programs.
Joe Granieri
V.P.
Veteran mortgage industry professional with expertise in loan origination and underwriting. Manages daily operations and lender relationships.
Melissa Capie
Office Manager
Coordinates office operations and client communications with 10+ years of mortgage industry experience. Ensures smooth transaction processes.
Questions
Are there truly no upfront fees for union members?
Yes, we charge $0 in application fees, credit report fees, or points. The only fee is the appraisal, which is fully refundable at closing.
What union memberships qualify for your program?
We work with over 150 participating unions including police, firefighters, teachers, and public service organizations across New York, New Jersey, and Florida.
How do you maintain competitive mortgage rates?
Our volume partnerships with major lenders allow us to negotiate favorable terms, which we pass directly to union members through our fee-free structure.
What mortgage types do you offer?
We provide fixed-rate, adjustable-rate, reverse, jumbo, and interest-only mortgages tailored to union members' specific needs and financial situations.
How long does the mortgage process take?
Using our advanced technology, we typically close loans 20% faster than industry averages while maintaining rigorous compliance standards.
