Teamster
Home Advantage
Program
Your Union. Your Advantage.
A Member-first homeownership support program built to help Teamster families buy, sell, own, protect, and prepare for a mortgage with more confidence. Teamster Home Advantage gives you access to education, preparation tools, union-backed protections, and Member-directed support designed to put your interests first.
The Teamster Home Advantage
BUILT BY THE TEAMSTERS TO PUT MEMBERS FIRST
It works the way union benefits have always worked: collective strength, negotiated terms. The same way unions have always negotiated group benefits for their Members, the Teamster Home Advantage Program sets standards that every participating lender must contractually agree to before joining the program:
Negotiated pricing
Participating lenders agree to provide program pricing below what they would otherwise offer, and those commitments are built into the program standards.
Capped lender fees
Participating lenders agree to strict limits on Member-paid lender fees, with those limits applying regardless of how fees are named or structured.
We don’t make loans. We set program standards and give you a clearer way to compare. You can get a quote from any lender you choose, and we encourage you to do that. Participating lenders agreed to these standards knowing Members are free to compare.
Build Your Home Advantage Profile. Explore Your Options & Member Benefits. Move Forward With Confidence.
Homeownership is a Process
Timing Matters, Whether You’re Buying or Refinancing
Are you trying to buy a home soon?
Is your lease ending or your rent increasing?
Have you already found a home you want to make an offer on?
Are you considering refinancing your current mortgage to lower costs or improve your financial position?
Where you are today shapes how quickly you can move forward. The Teamster Home Advantage Program is designed to help you identify your starting point, understand your options, and build a smarter path ahead. Whether you are ready to act now, preparing to buy, or exploring a refinance, the sooner you establish point A, the sooner you can move toward a better point B.
This is not just about if. It is about when. It is about clarity, timing, and making smart decisions that support long term homeownership.
When It Matters Most, the Teamsters Have Your Back
Introducing the Teamsters-Backed Mortgage Relief Program (MRP)
Teamsters fight every day for strong wages, solid benefits, and safer working conditions. That fight matters.
But sometimes the fight changes.
– Strikes happen.
– Lockouts happen.
– Disability and hardship happen too.
And in those moments, you may not just be fighting for a paycheck. You may be fighting for your home, your stability, and your family’s future.
That is why the Teamsters built the Mortgage Relief Program.
The Mortgage Relief Program is designed to provide added protection during qualifying events that can put homeownership under pressure. Available through qualified Teamster Home Advantage homeownership pathways, it is intended to help protect housing stability when life takes an unexpected turn.
This is about more than a transaction. It is about protecting what you worked so hard to build.
When the pressure rises and the stakes get real, the Teamsters are with you.
Start With a Conversation
Homeownership may be closer than you think. There is no cost to start. Just clarity.
Homeownership does not start with an application. It starts with a conversation.
The Teamster Home Advantage Program is designed to help you create a simple profile, organize your information, and learn what steps may make the most sense for you. No pressure. No obligation. Just clear information to help you make smart decisions on your timeline.
– You do not need to be ready today.
– You do not need perfect credit.
– You do not need to have everything figured out.
You just need a place to start.
Whether you are buying, refinancing, or simply trying to understand your options, homeownership may be closer than you think, and it starts with a conversation.
IMPORTANT INFORMATION
The Home Advantage Platform, Consumer Choice, and Program Protections
The Teamster Home Advantage Program is a homeownership preparation platform designed to help Teamster Members prepare for homeownership. Through the Program, Members have access to educational resources, planning tools, and a personalized Home Advantage Profile that helps them organize their information and understand how it compares to common public benchmarks before pursuing a mortgage.
Members retain full control over their Home Advantage Profile. Members may choose to print or export their 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 Home Advantage 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.
The Teamster Home Advantage Program is not a lender. All mortgage loans are provided by independent lenders who are solely responsible for credit decisions and compliance with applicable laws.