Foreclosure Prevention Programs


We understand that when homeowners struggle financially, communities suffer. If you know members of your community who are having a hard time paying their mortgage, please encourage them to visit the Saving My Home section of our website. There is help available. All services are free.

Through a variety of grant programs, we fund a network of housing counseling agencies to provide foreclosure prevention counseling.  Information and materials for each program can be found below.  If you are a housing counseling agency and currently not on our list serve, please send an e-mail to us to be notified when these programs solicit applications for funding (program e-mail addresses are under each respective program tab).


The Circuit Court of Cook County Mortgage Foreclosure Mediation Program is an unprecedented partnership between the Circuit Court of Cook County and several state and local organizations who assist Cook County homeowners who have mortgages in foreclosure.

As part of the program, homeowners who have received a summons to appear in court have access to housing counseling and legal assistance at no charge. Homeowners can call the toll-free help line (877) 895-2444 or use the online appointment request form to determine eligibility and schedule a free meeting. More information can be found on the program website.

For more information contact our Community Affairs Department at

Under the Foreclosure Prevention Program, a part of the Save Our Neighborhood Act, IHDA provides grants to HUD approved housing counseling agencies and community based organizations for capacity building, operational expenses, pre and post purchase counseling, foreclosure counseling and education, and staff/counselor training.

IHDA does not directly fund homeowners. If you are a homeowner looking for foreclosure prevention assistance, contact a housing counselor to help you understand what options are available to you.

For more information contact our Community Affairs Department at

IHDA has re-opened the Illinois Hardest Hit Program. See press release. Homeowners who have experienced a 15% reduction in income due to a hardship may be eligible for up to $35,000 in reinstatement and/or ongoing monthly mortgage assistance through the Illinois Hardest Hit Fund®. More information about applying for Hardest Hit Fund is available at

To help generate awareness about the Illinois Hardest Hit Program throughout Illinois, IHDA has created HHF flyers for you to utilize.

Funded by NeighborWorks America, the ­National Foreclosure Mitigation Counseling Program provides IHDA with funding to distribute to housing counseling agencies statewide to assist homeowners in mortgage default or at risk of default. These funds directly assist housing counseling agencies in financing counseling sessions.

IHDA does not directly fund homeowners.  If you are a homeowner looking for assistance, you may contact one of our local funded agencies.

In April 2016, the NFMC program reached a major milestone: 2 million homeowners served nationwide. IHDA has participated since Round 1 of the program and is currently working on Round 10 of the NFMC program.

For more information contact our Community Affairs Department at