Get Help With Housing
Housing Action Illinois does not provide direct assistance to people looking for affordable housing.
For those experiencing or at risk of homelessness, find resources by region, local contacts, and more on our resources page here »
Housing counselors can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. If you live in Cook, Lake, or McHenry Counties, Central Illinois, Northwest Indiana, Metro St. Louis, or Detroit, you can enter your information on My Path to Home, and a HUD-approved housing counselor will reach out to you.
If you live outside of these areas, visit the CFPB site to find an agency you can reach out to »
Here are other resources that may be helpful:
I need help finding housing
Affordable Rental Housing
Chicago:
Mainstream Housing Waitlists in Chicago, is a list maintained by All Chicago, coordiantor of Chicago’s Contiuum of Care network of services to prevent and end homelessness.
City of Chicago-Affordable Rental Housing Resource List
The Chicago Housing Authority: Housing Choice Voucher Program and Public Housing
Rural Illinois:
USDA Housing Programs Illinois (rural areas only)
Map-based search for USDA affordable rental housing in rural areas
Other Rental Housing
ILHousingSearch.org, developed by the Illinois Housing Development Authority and other state agencies, provides detailed information about rental properties and helps people find housing to best fit their needs.
HUD Resource Locator is a map-based tool to connect with building managers, public housing authority representatives, and property management companies to inquire about housing availability and other housing-related questions.
Homeownership
HUD Homestore and realestatesales.gov provide current information about single-family homes for sale by the U.S. Federal Government. These previously owned homes are for sale by public auction or other method depending on the property.
I am struggling to afford my rental housing
Statewide
U.S. Department of Housing and Urban Development—Illinois Rent Relief & Eviction Resources: Links to resources related to eviction, rental payment assistance, and utility payment assistance.
Community Action Agencies don’t provide actual housing, but do provide a wealth of housing-related social services, such utility assistance, homelessness prevention and housing counseling. To find the Community Action Agency in your county visit the State of Illinois list of these agencies.
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.
Chicago
Rentervention.com is a free resource for Chicago renters to help diagnose their legal issues, understand their rights, and choose the best option for solving their problem.
Metropolitan Tenants Organization offers online, telephone hotline and organizing support for tenants in Chicago to exercise their human right to affordable and safe housing.
I am struggling to pay for or maintain my home
Financial Support and Information
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. Chicago residents may call 311 to be connected to a local housing counseling agency.
IHDA provides resources for homeowners across the state. Check out Illinois Housing Development Authority
USDA often provides funds for development in rural communities. See here for a summary of their programs: USDA Housing Programs Illinois
Community Action Agencies don’t provide actual housing, but do provide a wealth of housing-related social services, such utility assistance, homelessness prevention and housing counseling. To find the Community Action Agency in your county visit the Illinois Association of Community Action Agencies website and click on “Members.”.
Consumer Information on Reverse Mortgages: This consumer education information from the Office of the Illinois Attorney General can help when deciding whether a reverse mortgage makes sense for you. It’s important to fully understand the terms of the loan and what other options you might have.
Home Repair
For questions related to home repair, home repair scams, finding and hiring a contractor, paying for repairs, and more, visit the Home Repair and Construction webpage on the website of the Illinois Attorney General.
Foreclosure
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.
I need legal assistance
Contacting Lawyers
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.
Fraud
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.
Consumer Fraud Bureau is responsible for handling a broad spectrum of consumer protection activities. It engages in investigations of possible fraud or deception and, when appropriate, files enforcement actions in state or federal court. Some examples of types of businesses the Consumer Fraud Bureau investigates are: home repair companies, auto dealers, mortgage and payday lenders, student loan and mortgage servicers, immigration consultants, and drug companies.
People can file a complaint here.
People can file a complaint against state regulated banks and related institutions with IDFPR (Illinois Department of Financial and Professional Regulation) here.
Discrimination
Find a fair housing organization near you and their contact information on the U.S. Department of Housing and Urban Development’s website page »
Additional Resources
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.
The Illinois Network of Centers for Independent Living (INCIL): A coalition of local Centers for Independent Living (CILs) that work with people who have disabilities. Click on the “Center Locations” link to find your local CIL.
Credit and Lending Issues:
For information on financing and credit, predatory lending, and credit reporting, visit the Financing and Credit webpage on the website of the Office of the the Illinois Attorney General.