Member Stories

IAFF Member is a true happy homeowner

Union Plus Content Team

February 2, 2026

Loy Bink loves his southwest Montana home — a three-bedroom, two-bath single-family house built in 1953 — where he lives with his wife and toddler son.

Loy Bink loves his southwest Montana home — a three-bedroom, two-bath single-family house built in 1953 — where he lives with his wife and toddler son.

“It’s a sturdy little home,” says Bink, a firefighter and member of the International Association of Fire Fighters (IAFF) Local 271. “The bones are in great shape. We’ve been fixing it up to modernize it a little bit. And it’s been a great first home for us.”

Before Bink bought his house in 2016, he reached out to a mortgage loan officer at Wells Fargo. One of her first questions was whether Bink was in a union.

“I said I’ve always been a big supporter of my local and unions in general. She said if you sign up for the Union Plus Mortgage Program, we can get you this great rate and then you also get a $500 gift card¹,” Bink recalls. “I thought, ‘That’s pretty cool.’” Union members must be verified and identify themselves as eligible to receive the My Mortgage Gift¹ award.

With financing available through Wells Fargo Home Mortgage, the Union Plus Mortgage Program helps union members, their parents, and their children purchase or refinance their homes while also offering exclusive union member benefits.

When Bink decided to refinance his home loan, he went back to Wells Fargo and the Union Plus Mortgage Program and got an even lower interest rate.

“It was mostly online and over the phone. I just had to show up and sign some paperwork,” he says. “And the same thing when we refinanced. They gave me another great rate on my mortgage. It was very easy.”

Bink adds, “I was very happy with it, and I had no desire to go anywhere else.”

To learn more about the Union Plus Mortgage Program and its benefits, visit unionplus.org/mortgage.

If you extend your loan term, you may pay more interest over the life of your loan.

If you are a service member on active duty, an eligible spouse, partner, or dependent, or currently receiving SCRA benefits, please consult with your legal advisor prior to seeking a refinance of your existing mortgage loan. In some cases, a refinance may impact your eligibility for benefits under the Servicemembers Civil Relief Act or applicable state law.

¹Eligible individuals will be sent redemption instructions for the My Mortgage Gift℠ award approximately 2 weeks after closing on a new purchase or refinance loan secured by an eligible first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval and closing. The My Mortgage Gift℠ award is not available in combination with any Wells Fargo employee mortgage offer. Only one My Mortgage Gift℠ award is permitted per eligible New Loan. This award cannot be combined with any other award, discount or rebate, except as described in the Terms and Conditions. This award is void where prohibited, not transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income.

Federal, state, and local taxes, and any use of the award not otherwise specified in the Terms and Conditions (available at wellsfargo.com/mymortgageterms and provided at receipt of award) are the sole responsibility of the My Mortgage Gift℠ recipient.

Union Plus^® is a registered trademark of Union Privilege.

Wells Fargo Home Mortgage has a services agreement with Union Privilege in which Union Privilege receives a financial benefit for providing agreed-upon services. Wells Fargo Home Mortgage encourages you to shop around to ensure you receive the services and loan terms that fit your home financing needs.

Information is accurate as of the date of printing and is subject to change without notice.