Illinois homes Stock


CHICAGO State Senator Celina Villanueva is encouraging homeowners who struggled with paying their mortgage due to the COVID-19 pandemic to take advantage of an upcoming mortgage assistance program that will open applications on Tuesday, Nov. 1.

“This program will allow Illinois homeowners the opportunity to financially recover from the impact the pandemic has left on them,” said Villanueva (D-Chicago). “Homeowners should not have to struggle to make mortgage payments due to a global pandemic that shut down the world and immensely impacted the economy. Providing a solution to this financial hardship is a means of getting families back to a financially stable and secure position."

The Illinois Homeowner Assistance Fund, administered by the Illinois Housing Development Authority, will provide up to $30,000 in mortgage assistance to eligible homeowners — paid directly to the servicer, taxing body or other approved entity — while homeowners work to regain their financial footing. Whether homeowners have a mortgage, a reverse mortgage, or are mortgage-free, the program can fund past due housing payments and up to three months of prospective mortgage payments.

To qualify for ILHAF assistance, Illinois homeowners must have experienced a financial hardship due to the COVID-19 pandemic after Jan. 21, 2020 (including a hardship that began before Jan. 21, 2020, but continued after that date). They also must currently own and occupy their home in Illinois as their primary residence, be at least 30 days late on their monthly housing payments and have a household income at or below 150% of the area median income.

“Illinois homeowners who have suffered financial hardships during the pandemic deserve relief,” Villanueva said. “I advise all homeowners to see if they are eligible for this free program and take advantage while assistance is available.”

The program is free and funds do not need to be repaid. Application, program information and updates can be found at Applications will be accepted until 11:59 p.m. on Tuesday, Jan. 31, 2023. Interested homeowners are strongly encouraged to attend an information session hosted by IHDA or one of our housing partners. The session schedule is posted online at For those without access to a computer or the internet, please contact the ILHAF hotline at 1-866-IL-HELP (866-454-3571)