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Apply Now! Contact an IRefi Lender.

The I-Refi program is designed to help homeowners who are current on their mortgage payments but owe more than their home is worth.  You can qualify for up to $50,000 in federal assistance to reduce the balance owed on your mortgage and refinance into a new affordable loan based on the current market value of your home. Please note that IHDA does not process loan applications. We use top performing lenders to answer questions about your unique circumstances and help you apply for a refinance.  To apply, contact an I-Refi lender today.

The I-Refi program offers up to $50,000 in federal assistance through the Hardest Hit Fund (HHF) to buy down your mortgage and refinance you into an affordable loan.  I-Refi is designed to help homeowners who have been current on their mortgage payments for at least 12 months and must also qualify for the new loan under IHDA’s income and credit requirements.  Before the loan is approved, lenders must order a professional appraisal to assess the value of the home.  If you previously received HHF assistance, you are still eligible to apply for the I-Refi program.


  • Current on your mortgage for at least 12 months
  • Live in the home as your primary residence
  • Credit qualify for a new IHDA mortgage through a participating lender
  • Be within IHDA’s income and home price limits 
  • Credit score must be at or above 640 regardless of loan type
  • Pre-assistance combined loan-to-value must be greater than 110%
  • Post-assistance loan-to-value will be 90-97%

Apply Now! Contact an IRefi Lender.

If you have already applied and have questions, please reach out to the lender with which you applied.

I-Refi Lenders

wdt_IDLenderPhone NumberWebsite
105 Wintrust Mortgage Corp. (Rockford) 815-639-9590 http://www.wintrustmortgage.com/
107 Wintrust Mortgage 312-646-4221 http://www.wintrustmortgage.com/Jason-Accola
108 BMO Harris Bank (Rockford) 708-424-2403 https://www.bmoharris.com/main/personal/mortgages/
109 BMO Harris Bank 708-424-2075 https://www.bmoharris.com/main/personal/mortgages
110 Marquette Bank 708-364-2525 http://www.emarquettebank.com
112 CrossCountry Mortgage 847-252-7900 http://www.crosscountryIL.com
113 Diamond Residential Mortgage Corp. 630-300-3350 http://www.diamondresidential.com/
114 First Midwest Bank 773-203-7648 https://www.firstmidwest.com/
115 Blueleaf Lending 224-585-0300 https://www.blueleaflending.com/residential_lending/
116 Stillman Bank 815-332-8100 https://www.stillmanbank.com/mortgage/