UPDATE: The Illinois Housing Development Authority has opened the Emergency Mortgage Assistance portal and is now accepting application through September 4. Below are the basic eligibility requirements, documents you will need to complete your application, and the link to the portal. CLICK HERE TO BE REDIRECTED NOW TO IHDA.

Who is eligible to apply?
• Your household income before March 1, 2020 was less than
the maximum allowed for your area according to the
borrower’s 2019 tax returns (see below):
– Cook/DuPage/Kane/Lake/McHenry/Will Counties: $109,200
– Grundy County: $106,680
– Kendall County: $128,760
– McLean County: $114,360
– All Other Counties: $100,920
• You, or an adult member of your household, has had a loss
of income due to COVID-19 on or after March 1, 2020
• Your mortgage was current as of February 29, 2020
• You have unpaid mortgage payments or a forbearance
balance that began sometime on or after March 1, 2020
• Your mortgage balance is $425,000 or less
• Your mortgage is in 1st lien/mortgage position
• The property is your primary residence
• The property is 1 or 2 units
• Your lender must be willing to accept payments
• Your loan cannot be a reserve mortgage

What will I need to complete my application?
• An acceptable form of photo identification:
– Drivers License or Temporary Visitor’s Driver’s License
– Consular Identification Documents
– Foreign Passport (regardless of expiration date)
– Resident Identity Card, Other Government-Issued
Document Evidencing Nationality or Residence & Bearing a
Photo or Similar Safeguard
• Servicer’s full name & address for payment
• Your mortgage loan number/account number
• An image or copy of your mortgage statement
• An image or copy of your Federal 2019 tax returns
– The first page of your tax return is fine!
– This is used to verify the borrower(s) pre-COVID-19 income

Make sure you click the FINISH button to complete the application or FINISH LATER if you need to come back to complete it.

If approved, homeowners will receive a grant for up to $15,000 to cover missed mortgage payments beginning as early as March 2020 and prepay mortgage payments through December 2020, or until the $15,000 is exhausted. Not all households will receive $15,000. Assistance will be paid directly to the mortgage servicer on the homeowner’s behalf.

The COVID-19 pandemic has created serious financial obstacles, leaving many Americans unable to afford their monthly mortgage payments. In a time where everything is evolving quickly, it is more important than ever to have a full understanding of the kind of loan you hold, what kind of relief the federal government is offering, and how to communicate with your lender if you are unable to make your payment. If you have experienced a reduction in income due to the pandemic and cannot make your payments, please know that you are not alone. As a HUD-approved counseling agency, SSHC is here to help you if you have mortgage distress and need advocacy. 

Resources for Understanding Your Options


Fannie Mae: www.knowyouroptions.com/loanlookup

The US. Dept. of Housing and Urban Development: www.hud.gov

Consumer Finance Protection Bureau (CFPB): www.consumerfinance.gov

How to Contact SSHC for Help

1 (708) 957-4674 ext. 102 | SSHC staff can be reached from 9 a.m. to 5 p.m. Monday through Friday. If you receive our voicemail, please leave a detailed message including your name, phone number, and email address if appropriate. We will be sure to return your call as soon as we can. 

Kiturah Baker, Counseling Intake Specialist/Homeownership Counselor | kbaker@southsuburban.net

You can fill out a form here on our website that will capture your basic information and begin the intake process virtually. You will be contacted by our housing counseling team after your information is reviewed.

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