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Home Repairs: Illinois
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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.
  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 and A housing counselor can help connect you with home repair programs specific to your community. 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

Learn more about HUD home repair resources and home improvements

FHA Title I Property Improvement Loan Program - Banks and other qualified lenders make these loans for improvements that will make your home basically more livable and useful. Search for an FHA-approved lender in your area online or call HUD's Customer Service Center toll-free: (800) 767-7468 / TTY: (800) 877-8339.

U.S. Department of Veterans Affairs Regional Loan Centers - Loans and grants to qualifying veterans to adapt existing dwelling to meet specific needs.

USDA Rural Development Office - Home improvement loans and grants to low-income homeowners in rural areas.
          Single Family Housing Repair Loans & Grants

State of Illinois

Illinois Housing Development Authority - Through a network of participating agencies, IHDA provides assistance for you to repair your home.

Illinois Department of Commerce & Economic Opportunity
          Housing Rehabilitation Program
          Home Weatherization Assistance Program

Illinois Affiliates of Habitat for Humanity - Through volunteer labor, builds and rehabilitates houses for families in need.


Some communities in Illinois use HUD funds to provide home improvement assistance to local homeowners.

          City of Chicago Home Repair Program
          Small Accessible Repairs for Seniors (SARFS)