ILHAF

Are You Trying to Avoid Foreclosure?  The Journey Forward Can Help

What is ILHAF –

The Illinois Homeowner Assistance Fund (ILHAF) is a federally funded program that assists homeowners who are at risk of default, foreclosure, or displacement as result of a financial hardship caused by the COVID-19 pandemic.

Do not delay, the the portal is open and accepting applications from homeowners but it expires May 31st, 2022.

The Journey Forward can help you determine if you are eligible and will assist you with the application process.

Program Details:

Up To $30,000 Per Household To Pay

  • Delinquent mortgage payments
  • Mortgage reinstatement or other housing-related costs related to a period of forbearance necessitated by the pandemic
  • Delinquent property taxes (When Mortgage-Free)
  • Delinquent homeowner’s insurance and/or flood insurance
  • Delinquent Homeowner/Condominium/Co-Op Association fees
  • Delinquent mobile home lot rent

Who Is Eligible?

Homeowners who are at risk of default, foreclosure, or displacement as result of a financial hardship caused by the COVID-19 pandemic.

  • Homeowners with household incomes less than 150% of the Area Median Income
  • Must be your primary residence
  • You must be 30 days late on their mortgage or property tax payments.
  • Experienced a financial hardship directly related to COVID-19 that began, continued, or worsened after January 21, 2020

How To Apply

1. Get Informed

Attend an information session hosted by The Journey Forward

Workshops offered weekly:

Foreclosure Prevention:  Mortgage Late–Don’t Wait

2. Explore Your Options

The Journey Forward is a HUD-certified Housing Counseling Agency that can help you explore your options to prevent foreclosure and provide you the required Certificate needed to apply for the HAF Grant.  You can also request a letter from your mortgage servicer detailing efforts to resolve your delinquency as required to apply for ILHAF assistance.  Reach a The Journey Forward HUD Certified Housing Counselor to begin the process. (insert an I’m ready to get started, button, similar to the one on One-on-One financial Counseling page https://thejourney-forward.org/financialandhousing-coaching/ on website. It should be directed to Pamela Gilberts email).

3. Get Started

Review the Acceptable Documentation list and be prepared to provide all required documents when you meet with a housing counselor.

Funding provided in whole or in part by the