Saving My Home

If you are struggling to make your mortgage payments, it can be a scary and stressful time. You are not alone. The first step you should take is to call your lender or servicer directly and explain your situation. If you are unable to find a solution, you may be eligible for one of the programs listed below. IHDA hardest hit-01If you are having trouble paying your mortgage and have experienced a 15% reduction in income due to a hardship,  you may be eligible for temporary mortgage assistance through the Illinois Hardest Hit Fund Program. Homeowners across Illinois can apply for up to $35,000 in reinstatement and/or ongoing monthly mortgage assistance. Find more information about applying for Hardest Hit Fund at


If you have a reverse mortgage, click here to learn how to apply for the new Reverse Mortgage Assistance Program or read the press release.

Are you having trouble paying your mortgage? Have you experienced a 15% reduction in income due to a hardship? If so, you may be eligible for temporary mortgage assistance through the Illinois Hardest Hit Fund®.

Homeowners across Illinois can apply for up to $35,000 in reinstatement and/or ongoing monthly mortgage assistance.

Start your application for the Hardest Hit Fund at

The Illinois Hardest Hit Program (HHF) assists homeowners who have experienced loss of income due to unemployment, underemployment, temporary disability, death or divorce.  Eligible homeowners receive up to $35,000 in assistance to reinstate delinquent mortgages and/or up to twelve months of mortgage payments. All services are free.

To help raise awareness of the HHF Program and help reach struggling homeowners in need, we have created radio and print communications. You can find them here.

Illinois Hardest Hit Fund Radio – English (:30)


Illinois Hardest Hit Fund Radio – Spanish (:30)


Illinois Hardest Hit Fund Flyer – English (PDF)


Illinois Hardest Hit Fund Flyer – Spanish (PDF)


Start your application for the Hardest Hit Fund at

Housing counselors can help you understand your options if you are having trouble paying your mortgage. They can communicate with your mortgage lender or servicer on your behalf and help you find legal representation if necessary. Counselors can also help you create a budget to manage your expenses and possibly stay in your home.

All services are free.

Find a counselor near you today and begin to get the help you need.


The first step you should take if you are having difficulty paying your mortgage is to call your lender or servicer directly and explain your situation. They may help you find a solution or you may be eligible for one of the programs listed below. These programs can be confusing, but there is help available if you need assistance. Please reach out to a housing counselor to help you understand your options.

The Making Home Affordable (MHA) program has helped over 1.8 million families obtain mortgage relief and avoid foreclosure over the last seven years. As of December 30, 2016, no new applications or new requests for assistance under any MHA program will be accepted. Although this resource will no longer be available to homeowners, help is still attainable. Mortgage companies will continue to offer assistance. If you’re having difficulty making your mortgage payments, you are encouraged to contact your mortgage company or lender directly to inquire about available solutions. If you are experiencing difficulty communicating with your mortgage company or lender about your need for mortgage relief, housing counselors are available to help you do so at no cost.  Free expert help is available by calling 888-995-HOPE or by visiting the Making Home Affordable website.

Home Affordable Refinance Program (HARP) is a federal program enabling qualified homeowners with mortgages owned by Fannie Mae or Freddie Mac to refinance their mortgage even if they owe more than their home is worth. To qualify, you must be current on your mortgage. Please be aware that the end date to get a HARP refinance is December 31, 2018.

The Cook County Mortgage Foreclosure Mediation Program is no longer available as of December 1, 2017. If you need housing counseling or mortgage foreclosure assistance, contact a housing counselor to help you understand what options are available to you. For legal aid resources for homeowners in Cook County, click here.

You should be aware that foreclosure rescue and mortgage modification scams exist. Scammers make promises they cannot keep, such as guarantees to save your home or lower your mortgage, for a fee. Scammers also may pretend they have direct contact with your mortgage servicer when they do not. One of the easiest ways to determine if someone is trying to scam you is if they ask you for money.

You should never have to pay for foreclosure assistance.

Tips to Avoid Scams:

  • Beware of anyone who asks for a fee in exchange for a counseling service or modification of a delinquent loan.
  • Beware of people who pressure you to sign papers immediately, or who try to convince you they can save your home if you sign or transfer over the deed to your house.
  • Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
  • Never make a mortgage payment to anyone without your mortgage company’s approval.
  • Watch the Foreclosure Rescue Scams Video on the FTC ‘s YouTube Channel.
  • The U.S. Department of the Treasury’s Office of the Comptroller of the Currency provides tips and materials to help homeowners avoid mortgage modification and foreclosure rescue scams.
  • The Loan Modification Scam Prevention Network is a national coalition of governmental and private organizations created by Fannie Mae, Freddie Mac, NeighborWorks America™ and the Lawyers’ Committee for Civil Rights Under Law to provide resources to educate homeowners about the dangers of loan modification scams and support federal, state and local efforts to combat these scams. If you believe you have been the victim of a scam, you can report the scam through the campaign’s online complaint form.
  • The Financial Fraud Enforcement Task Force maintains a wide list of resources and information to help find and report suspected cases of financial fraud.
  • If you live in Cook County, the Cook County Recorder of Deeds has created a free property fraud alert that will notify you any time a document is recorded against your property’s Parcel Identification Number (PIN).

What to Do if You Have Been the Victim of a Scam:

If you suspect mortgage fraud or want to learn about tips to avoid fraud, contact the Illinois Department of Financial and Professional Regulation (IDFPR) or call 1-800-532-8785.

If you are facing foreclosure, it is important to know your rights. Remember: you should never have to pay for foreclosure assistance.

The following non-profit organizations offer free legal advice to low-income persons and all seniors:

Utility Assistance

If you are struggling to pay your utility bills, consider the following:

The ComEd CARE programs offer a range of financial assistance programs to help qualified ComEd customers pay their electric bills.

ComEd’s smart meters program. Smart meters are digital electric meters that collect energy-usage information and securely send it to ComEd. In addition to eliminating estimated bills, smart meters give customers access to more information about their electricity usage.

The Low Income Home Energy Assistance Program (LIHEAP) helps eligible low income households pay for winter energy service.

MeterSave is a program offered by the City of Chicago’s Department of Water Management (DWM) to non-metered Chicago homeowners to voluntarily install meters to help them save water and lower their water bill.

Warm Neighbors, Cool Friends – a collaborative program between Ameren Illinois and the Energy Assistance Foundation that provides moderate income customers and senior citizens with low-cost home weatherization options.

The Citizens Utility Board (CUB) is a non-profit organization focused entirely on cutting your utility bills. CUB provides guidance to help slash phone, electric and gas bills and assists customers who have complaints against their utility company.

Rental Assistance

If you’re looking for an affordable home to rent, is a fast, easy-to-use search tool that lets you look for rental housing using a wide variety of criteria and special mapping features. You’ll find color photos and detailed information about each unit. The service also provides links to housing resources and helpful tools such as an affordability calculator, rental checklist and information about renter rights and responsibilities.

Disaster Assistance

Anyone who sustained losses or damage from the severe storms and tornadoes on November 17, 2013 should register for disaster aid. Residents can apply for assistance with the Federal Emergency Management Agency (FEMA) on their toll-free number (1-800-621-FEMA (3362) or 1-800-462-7585 (TTY) for the hearing and speech impaired) and online at

More information on disaster recovery resources is also available at

The U.S. Department of Veterans Affairs provides service members, veterans and eligible surviving spouses with housing assistance that can help you retain, repair or adapt your home.

The Interest Rate Reduction Refinance Loan, also called the Streamline Refinance Loan, can help you obtain a lower interest rate by refinancing your existing VA loan.

Additional support is available to help veterans modify their existing home to account for a disability, apply for property tax reductions and access mortgage delinquency assistance for both VA and non-VA loans.

If you need to find employment or apply for unemployment support, visit the Illinois Department of Employment Security (IDES) website. IDES is the state agency that pays unemployment benefits and administers the employment service and Illinois Job Bank to connect Illinoisans to jobs throughout the state.

Additional support for Illinois residents looking for work is available through the American Job Center (AJC) website. AJC provides access to federal and local resources that help people find a job, identify training programs, gain skills in growing industries and apply for financial assistance.

You should attend a foreclosure prevention workshop if you are struggling to pay your mortgage or if you are facing a foreclosure. Approved housing counseling agencies regularly host these workshops as a way to provide a variety of services at one time. Such services usually include information on foreclosure prevention programs, housing counseling, legal assistance and debt management.

Attend a foreclosure prevention workshop to learn how to save your home.

Understanding these programs can be confusing so if you need assistance, please reach out to a housing counselor to help you understand what options are available to you. But whatever you do, don’t do nothing. There is help available. All services are free. Remember: You should never have to pay for foreclosure assistance.

If you are a housing counseling agency looking for information about funding for future rounds, please visit the Foreclosure Prevention Programs section.