Union National Mortgage Co. is an Equal
Opportunity Housing  Lender.  Loans are
available on a fair and equal basis regardless of
race, color, religion, sex, familial status, national
origin, military status, disability or ancestry.
Licensed By The PA Departments of Banking

PA NMLS LO License# 133642
BRANCH # 238722.
UNMC NMLS: 2229

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with our new home and you helped make it all possible."
Janet and Chris- Alexandria VA
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Money & Time Saving Tips For A Successful Move


This brochure has been developed by the U.S. Department of Transportation (USDOT), Federal Motor Carrier Safety
Administration (FMCSA) to assist you in a successful move across state lines. While most household moves go
smoothly, FMCSA is concerned about consumers who experience difficulties in resolving disputes with household
goods carriers (movers) or worse, are defrauded by dishonest movers. We want you to be informed and aware of your
options when choosing a reputable mover.

FMCSA regulates interstate household goods movers and requires them to register with the agency. These movers
must provide each customer with the names of process agents in every state in which they operate, so that legal
documents can be served on the mover, if required. For the protection of your household goods, FMCSA also
requires registered movers to have proof of cargo insurance.

Know Your Rights and Responsibilities Before Selecting a Mover

Before moving your goods, movers are required to give you a pamphlet entitled Your Rights and Responsibilities
When You Move. It provides basic information that will help you understand the documents that the mover will ask you
to sign. The pamphlet also explains your rights if your household goods are lost or damaged by the mover. A copy of
that pamphlet can be downloaded from FMCSAs Web site.

Use Only Registered Movers

Make sure the mover you select has been assigned a USDOT number, is licensed by FMCSA to engage in interstate
transportation of household goods, and has proper insurance. You can determine if a mover is registered with FMCSA
by accessing our licensing and insurance Web site at
http://fmcsa-li.volpe.dot.gov, or call FMCSA at (202) 366-9805 for licensing and (202) 385-2423 for insurance. The
best way to avoid problems is to be informed and plan ahead. REMEMBER DO NOT SIGN BLANK PAPERWORK OR
DOCUMENTS YOU DO NOT UNDERSTAND!

Read and Understand All Information Provided by the Mover

The mover should provide you with the following basic documents as part of your move:

Estimates
The estimate should clearly describe, in writing, all charges for services the mover will perform. Make sure the
estimate is signed by the mover.

Do not accept oral estimates.

Order For Service
The order for service is a list of all the services the carrier will perform and shows the dates your household goods will
be picked up and delivered.

Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of your belongings. You should be given a
completed copy of the bill of lading before your goods are loaded.

Inventory List
The inventory is the receipt showing each item you shipped and its condition. Be sure you receive a written copy of
the inventory after your household goods are loaded, and that you agree with its description of your household goods
condition.

What if There Is a Problem?

Dispute Settlement Program
Before moving your household goods, interstate movers are required to provide you with information regarding their
dispute settlement program. Movers must offer a neutral arbitration program as a means of settling disputes that may
arise concerning loss or damage of your household goods.

Loss or Damage of Goods
If your goods are damaged or missing at delivery, request a company claim form from the mover. Complete the claim
form to the best of your ability. The mover will tell you where to mail the completed form. You must file a written claim
with the mover within 9 months of delivery. Your claim must be in writing but does not have to be submitted on a
movers claim form. It is suggested that you send the claims information to the mover by certified mail. If you are not
satisfied with the settlement offer made by the mover, you have the option of submitting a loss and damage claim with
the carriers dispute settlement program or of seeking other legal remedies.

Applicable Transportation Charges
The charges that a mover assesses for its services must be contained in a published tariff, which must be made
available to you upon request. If you feel that a mover has overcharged you, you can contact the Surface
Transportation Board at (866) 254-1792 to obtain assistance.

Filing a Complaint
FMCSA does not have authority to resolve claims against a moving company. However, you can file a complaint
against the mover by calling FMCSAs 24-hour toll-free hotline at (888) 368-7238, or by going to FMCSAs Web site.
Your complaint may trigger a Federal enforcement investigation against the mover.

Moving Checklist

Before the move
•Obtain the booklet Your Rights and Responsibilities When You Move from the mover.
•Ask for recommendations from neighbors, friends, and relatives regarding the mover.
•Check with the Better Business Bureau regarding the mover.
•Find out what the movers responsibilities are for damages that may occur to your belongings.
•Ask if the mover has a dispute settlement program.
•Obtain estimates from at least three movers, and compare costs and all other services to be provided by the mover.
•Ask the mover how they can be contacted before the move, during the move, and after the move.
•Find out how and when pickup and delivery of your household goods will occur.

Moving Day
•Be present to answer questions and give directions to the movers. Stay until they finish.
•Accompany the movers as they inventory your household goods and resolve any questions regarding the condition
of materials being moved.
•Carefully read the information on the estimate, order for service, bill of lading, inventory, and all other completed
documents before you sign them.
•Keep the bill of lading until your goods are delivered, the charges are paid, and any claims are settled. Before the
moving van leaves, take one final look throughout the house to make certain nothing has been left behind.
•Inform the driver and the moving company of where you can be reached during the move.
•Give the driver directions to your new home.

Delivery Day
•Be present to answer any questions and give directions.
•Pay the driver before your goods are unloaded.
•Supervise unloading and unpacking of your goods.
•Note on the inventory list all boxes or other items that are damaged before you sign any documents.
Useful Web Sites & Telephone Numbers
•What is the FMCSA official Web site?

http://www.fmcsa.dot.gov


•Where can I get a copy of Your Rights and Responsibilities When You Move?
http://www.fmcsa.dot.gov/factsfigs/moving.htm


•Where can I find out whether a mover is registered with FMCSA?
http://fmcsa-li.volpe.dot.gov,
or call (202) 366-9805


•Where can I obtain information about a mover, broker, or freight forwarders insurance and process
agent?
http://fmcsa-li.volpe.dot.gov,
or call (202) 385-2423


•How do I get assistance to determine if a carrier has assessed the correct transportation charges? Call
the Surface Transportation Board at (866) 254-1792


•Where may I file a complaint against a mover?
http://www.1-888-dot-saft.com, or call FMCSA 24-hour toll-free hotline at (888) 368-7238.


•How can I learn more about movers and transportation?
http://www.moving.org/
I hope you have enjoyed this special report. We currently have over 40 creative loan programs to fit your needs.
Please contact us at 269-488-9530 to set up your FREE No-Obligation consultation where we will meet to tailor a
program to fit your needs and comfort levels for monthly payment and investment.

Sincerely,
Tom Cosentino
Union National Mortgage Co.
412-489-4903

P.S. If you would like to get started now please click the following link or image below to fill out a Free No-Obligation
Online Application and we will contact you to schedule a free consultation to help you get the home of your dreams
with the best terms available...regardless of your credit!

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