Are You Trying to Avoid Foreclosure?

The Journey Forward Can Help

What is ILHAF

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.

The application portal has been extended indefinitely.

But do not delay, the portal is open and accepting applications from homeowners, however, a required counseling session must be scheduled, and funds may be depleted before the need is met.

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

Program Details

Program Details

Up To $60,000 Per Household To Pay

  • Delinquent primary mortgage or mobile home loan
  • Delinquent Association Fees (HOA, Condo, Co-Op)
  • Delinquent property taxes (Tax Year 2019-2021 Only)
  • Delinquent property hazard /or flood insurance
  • Delinquent mobile home lot rent

Up To $60,000 Per Household To Pay

Up To $60,000 Per Household To Pay

  • Delinquent primary mortgage or mobile home loan
  • Delinquent Association Fees (HOA, Condo, Co-Op)
  • Delinquent property taxes (Tax Year 2019-2021 Only)
  • Delinquent property hazard /or flood insurance
  • 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

Who Is Eligible?

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. Contact The Journey Forward

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 HUD Certified Housing Counselor to begin the process.

2. Be Prepared

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

3. Want to Learn More?

Attend Mortgage Late; Don’t Wait workshop offered by The Journey Forward:

November 1 @ 3:00 am – 4:00 pm
November 1 @ 3:00 am – 4:00 pm

Register in advance for this webinar:

Register in advance for this webinar:

Register Now
November 12 @ 11:00 am – 12:00 pm
November 12 @ 11:00 am – 12:00 pm

Register in advance for this webinar:

Register in advance for this webinar:

Register Now
November 16 @ 3:00 am – 4:00 pm
November 16 @ 3:00 am – 4:00 pm

Register in advance for this webinar:

Register in advance for this webinar:

Register Now
December 6 @ 3:00 pm – 4:00 pm
December 6 @ 3:00 pm – 4:00 pm

Register in advance for this webinar:

Register in advance for this webinar:

Register Now

Contact The Journey Forward today.

Funding Provided in whole or in part by the Illinois Housing Development Authority