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If you have questions about:
  • Buying a home or qualifying for a loan
  • Down payment assistance
  • HUD Homes
  • Refinancing
  • Liens
  • HUD-1 settlement statements
  • Other issues with an FHA-insured mortgage
Contact the FHA Resource Center by calling (800) 225-5342 or emailing answers@hud.gov.
Payoff requests Use the SMART Integrated Portal to make a request and begin the subordination process (see SMART FAQs & Resources).
FHA Single Family Secretary-held Portfolio Subordinate Mortgages and Home Equity Conversion Mortgages Contact a Secretary-Held Mortgage Servicing Contractor.

Need help or information on buying a home? You may qualify for one of these programs.

  1. Contact a housing counseling agency
    HUD sponsors housing counselors that can provide free or low-cost advice for wherever you are in the housing process. They can offer independent advice on buying a home, help connect you with homeownership assistance programs specific to your community, and provide you other information. Search online for a HUD-approved housing counseling agency by zip code here.
  2. See the table below for information on homeownership programs and other resources
Type of resource Resources

HUD's FAQs on Homebuying

USDA Single Family Housing Programs and Services

Federal Home Loan Bank down payment programs and participating lenders

State of Illinois Illinois Housing Development Authority - IHDA helps people with homeownership through mortgage loans, repair grants, and foreclosure prevention assistance, as well as supporting multifamily rental housing and community building.

Buying a Home

IHDA Mortgage

IL Housing Search Housing Resources

Illinois Department of Commerce and Economic Opportunity - Housing Assistance

Housing Action Illinois - Resources for Homeowners


Local programs:

Cook County Land Bank Authority Homebuyer Direct Program
City of Chicago, Department of Housing - Programs and services to prospective home buyers and homeowners in the city of Chicago.
Chicago Housing Trust – Homeownership opportunities.
Community Housing Association of DuPage
Community Partners for Affordable Housing (Lake County)
Village of Oak Park Housing Programs

Talk to an FHA Nonprofit Program Partner about down payment assistance:

Neighborhood Lending Services of Chicago
Northside Community Development Corporation

Lake County
Renew Community Partners
Community Partners for Affordable Housing

McHenry County
Habitat for Humanity of McHenry County

Some communities use HUD's HOME Investment Partnership Program to assist first-time home buyers. Find your local HOME program contacts.

You can find more information on Homeownership: Getting Started, Buying a Home, Owning and Maintaining Your Home, and more.

If you believe your rights may have been violated or are a victim of housing discrimination, we encourage you to submit a complaint. Because there are time limits on when a complaint can be filed with HUD after an alleged violation, you should submit a complaint as soon as possible. You may file a complaint online, call us toll-free at (800) 669-9777 or (800) 877-8339, or email ComplaintsOffice05@hud.gov.