Mortgage Loans
Donate today & help us reach our $1M goal to preserve the polar bear’s Arctic home.
Polar bears live on the ice-covered waters of the arctic, relying almost entirely on shrinking sea ice for their survival.
Home Dreams, Realized
Union Building Trades FCU and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members.
- Wide range of loan offerings
- Affordable down payment options
- Competitive rates & closing costs
- Expedited closings
- Easy online application
Budget Friendly Solutions
Our entire purpose is to serve you, and help you realize your financial dreams. Discover how our tailored-to-you loan products, competitive rates, and minimal closing costs can be the solution you seek.
“I Predict That We Could See Ice-Free Summers onthe North Pole Within a Decade.”
Owning a home is likely the biggest investment of your life — whether you’re looking to buy a new home, leverage equity you already have in yours, or sell your home, we can help!
What To Expect
A mortgage is one of the biggest purchases you make. Watch this video for a quick guide on the process, and what to expect.
Mortgage Calculators
Homebuying Guide
Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.
Complete our mortgage application to begin your journey to owning your new home!
34%
0
RAISED
$376,943
OUR GOAL
$1,000,000
John Forsyth, Lead Researcher, The Canadian Polar Insitute
If you have questions and want to talk about your specific situation,
call our expert Mortgage Consultant from Member First Mortgage, LLC (MFM) today:
Mortgage Consultant
Contact Us Today
RESOURCES
KNOW WHAT TO EXPECT WHEN YOU GET A MORTGAGE
We know that getting a mortgage is a big decision and we want to make sure that our members have the resources to make the mortgage process as simple as possible. From application to closing, our expert mortgage team will ensure that you stay informed.
Mortgage Calculator
Member First Mortgage
Visit the Member First Mortgage website to learn more about our mortgage partner and for more mortgage resources.
Find Out More About Loan Products
If you'd like to learn more about individual loan products to figure out which one is right for you, visit MFM's Loan Product page on their website.
Continue Your Application
Have you already started completing a mortgage application? Finish your application today!
*Chris Papagni, NMLS ID# 282725 is authorized to act as an agent of Union Building Trades FCU and is authorized to represent Member First Mortgage, LLC (MFM). For MLO Licensing information, please visit NMLS Consumer Access.
Tell Us About Yourself
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
Tell us about yourself
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
From application to closing, our expert mortgage team will ensure that you stay informed. Watch this video to learn how to apply.
How to Apply
Find Out More About Loan Products
If you'd like to learn more about individual loan products to figure out which one is right for you, click the link below or reach out to your Loan Officer.
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Home Loans
*This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (MFM) is a partner of Union Building Trades FCU. Chris Papagni, NMLS #282725, is authorized to act as agent of Union Building Trades FCU (205 Cherry Hill Road Parsippany, NJ 07054 | (973) 263.0001 | NMLS ID: 646021) and is authorized to represent MFM, a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (616) 538.1818 | NMLS ID: 149532). For MFM’s state disclosure information, please visit MFM’s website. For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.
Mortgage Consultant
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No prepayment penalty
2Rates may vary and payment may increase after consummation.
Lock in a lower initial rate
on a 5/5 or 7/1 ARM's2
Get a 5/5 ARM at
4.99% / 5.85% APR
or
a 7/1 ARM at a Low
Introductory Rate
1
1Available to all borrowers on a first lien purchase or refinance of a primary or secondary residence using a conventional 5/5 ARM portfolio loan product with Union Building Trades Federal Credit Union. Not eligible onmanufactured homes. Example scenario, calculated 4/27/2026, assumes excellent borrower credit history and is based on a $400,000 loan amount with a 20% cash down payment from the borrower and 80% conventionalfinancing on a 30-year term with an adjustable-rate mortgage (ARM). The example scenario assumes an initial interest rate of 4.99% with an annual percentage rate (APR) of 5.85% for years 1-5 (60 monthly principaland interest payments of $2,144.84); the first adjusted interest rate can increase or decrease by 2% for 5 years (60 monthly principal and interest payments of $1,740 - $2,593); the second adjusted interest rate canincrease by 2% or decrease as low as the rate minimum for 5 years (60 monthly principal and interest payments of $1,664 - $3,010); all subsequent adjustments can increase to the rate maximum or decrease to the rateminimum every five years for years 16-30 (monthly principal and interest payments of $1664 - $3,189).