Foreclosure Prevention Resources
Housing Action Illinois does not provide direct assistance to people looking for affordable housing, but we hope that the following websites and resources might be of use.
Illinois Housing Development Authority: Saving My Home brings together the services and resources of various state agencies and qualified participating non-profit agencies to help you identify resources that could help you keep your home.
IllinoisLegalAid.org provides lower-income and vulnerable Illinois residents with information about their legal rights and responsibilities, referrals to free and low cost legal aid offices, multimedia training and education, and forms and instructions for representing themselves. They also run Legal Answers, a virtual walk-in clinic where you can get answers to your legal questions for free from volunteer attorneys.
HOPE Hotline: Find a Housing Counselor. Homeowners who are behind on their mortgage payment can call the HOPE HOTLINE at 1.888.995.HOPE(4673) or contact one of the many HUD-certified housing counseling agencies throughout the state by visiting http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm or http://www.findaforeclosurecounselor.org. Chicago residents may call 311 to be connected to a local housing counseling agency.
Making Home Affordable is the federal government website for consumers seeking information about the Making Home Affordable loan modification and refinancing program. The website includes information about program eligibility, how to determine if your loan is owned or guaranteed by Fannie Mae and Freddie Mac, how to find a HUD-certified housing counseling agency and other resources.
Circuit Court of Cook County Mortgage Foreclosure Mediation Program: Homeowners who have received a summons to appear in court will have access to housing counseling and legal assistance at no charge. With the support and information provided through the mediation program, homeowners in foreclosure will be able to explore their options to either stay in their homes or negotiate a respectable exit. To schedule a free meeting with a housing counselor call the toll-free help line at 877.895.2444 or use the online appointment request form at this site.
Homeowners’ Referral Helpline: Illinois Attorney General Lisa Madigan’s homeowners’ referral helpline offers guidance on avoiding mortgage foreclosures. Call the office nearest to you at 1.800.386.5438 (Chicago), 1.800.243.0618 (Springfield), or 1.800.243.0607 (Carbondale). Visit here for a copy of the Attorney General’s Mortgage Lending Guide.
Find a Housing Counselor through the Consumer Financial Protection Bureau (CFPB): Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Using this site, you can find one near you. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you.
Mortgage Information and Fraud Hotline: Homeowners who believe they may have been the victims of deceitful or fraudulent lending practices can get in touch with state mortgage fraud investigators by calling 1.800.532.8785 or the Illinois Department of Financial and Professional Regulation at 1.877.793.3470 to file a complaint.
- Read tips for avoiding foreclosure here and here
- File a complaint against your lender
- Seek free or low-cost legal aid
- Learn more about the Mortgage Forgiveness Debt Relief Act of 2007
Housing Action Illinois
Housing Action Illinois is addressing the foreclosure crisis and its aftermath through a four-part initiative which includes training housing counselors; engaging the mortgage market; increasing resources and technical assistance for housing counseling agencies; and working with local stakeholders to address the foreclosure crisis in their communities. Through training and technical assistance, we help build the capacity of Illinois housing counseling agencies so they are well equipped to deal with the foreclosure crisis.