HC Mortgage Assistance
Temporary Mortgage Payment Assistance Struggling homeowners can apply online for temporary mortgage payment assistance through the Illinois Hardest Hit Program at www.illinoishardesthit.org. The Illinois Housing Development Authority has partnered with the U.S. Department of Treasury to offer mortgage assistance to households that are struggling with income loss due to unemployment or underemployment, but are working to regain sufficient income to keep their home. Borrowers may be currently experiencing an income loss, or experienced one in the past that caused them to get behind on their mortgage payments. Once the application process begins, the applicant will be assigned to a review agency that will assist the homeowner through the application process and help review a homeowner?s eligibility for the program. The Illinois Hardest High Program offers two types of assistance: ? Reinstatement assistance to pay mortgage arrearages, fees, and penalties in full; and ? Monthly mortgage payment assistance to pay 100 percent of the mortgage payment owned to the servicer for up to 18 months while the household makes monthly contribution payments to the Illinois Housing Development Authority during their enrollment in the program. Maximum assistance is $25,000, depending on location. Applicants will not be asked to pay for any eligibility determination services related to the application.