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|If you have questions about:
||Contact the FHA Resource Center by calling (800) 225-5342 or emailing firstname.lastname@example.org.|
|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.|
Don't lose your home! Here is some guidance on default and foreclosure prevention.
1) Contact your mortgage servicer
Your mortgage servicer is the entity to which you make your monthly mortgage payments. Contact your servicer to discuss what options, such as forbearance, may be available to you. If you are unsure who your mortgage servicer is, check your monthly mortgage statement or other communications from your mortgage servicer for their contact information. You may also visit their website.
2) Contact a housing counseling agency
HUD sponsors housing counselors that can provide free or low-cost, independent advice on defaults, forbearances, foreclosures, credit issues, reverse mortgages, and other issues.
- Housing counselors are trained to assess your financial situation and explain the options available to you.
- A HUD-certified housing counselor may be able to help you work with your mortgage servicer, find tax-relief programs, or assist with other relief.
- Search online for a HUD-approved housing counseling agency by zip code here.
- You can also search specifically for Foreclosure Avoidance Counselors.
HAF is a federal assistance program that helps homeowners who have been financially impacted by COVID-19 pay their mortgage or other home expenses.
- The Illinois Homeowner Assistance Fund (ILHAF) is closed. You can check the status of your ILHAF application online. Call 866-454-3571 to connect with an ILHAF program partner.
4) Explore other foreclosure prevention resources
- Consumer Financial Protection Bureau
- Illinois Attorney General's Office - The "Help for Homeowners" page has information on preventing foreclosure, avoid foreclosure rescue scams, and shopping of a home loan. You may also contact the Attorney General's Homeowner Helpline at (866) 544-7151 to learn more about your options or to report a predatory mortgage lender.
- Legal Resources
- Illinois Department of Human Services
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.