Avoid Foreclosure: Illinois

Avoid Foreclosure: Illinois
Homeownership Assistance Home Repairs Utility Bills Predatory Lending Seniors Legal Assistance

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.

Don't lose your home! Here is some guidance on default and foreclosure prevention.

Homeowner Assistance Fund (HAF) - 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) will accept applications from April 11 to May 31, 2022. Call 866-454-3571 to connect with an ILHAF program partner.
Housing counseling agencies - Contact a HUD-approved housing counseling agency for free or low-cost counseling services for defaults, foreclosures, credit issues and reverse mortgages. Search for a HUD-approved housing counseling agency here. You can also search specifically for Foreclosure Avoidance Counselors.
Consumer Financial Protection Bureau - Mortgages
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