State Grants for Homeowners Late on Mortgage, Property Taxes Due to COVID
The Illinois Emergency Homeowner Assistance Fund (ILHAF) program is now open! This program can help homeowners who have fallen behind on their mortgage or property tax payments as a result of COVID-19. Applications for grants of up to $30,000.00 are being accepted by the Illinois Housing Development Authority and the money, which is funded by the American Rescue Plan Act, can be used to erase or reduce past-due mortgage and property tax payments.
“As we continue to recover from the pandemic, many households are facing overdue mortgage payments, which can lead to foreclosure, housing insecurity, and displacement,” state Rep. Sam Yingling, D-Grayslake, said in a statement. These grants “will help those at the greatest risk of foreclosure receive the aid they need to keep their homes.”
On behalf of the homeowner, assistance will be paid directly to the mortgagor’s loan servicer, taxing agency, or other approved entity. The distribution of funding will be prioritized for homeowners who have been disproportionately affected by the pandemic. The funds can be used for:
- Delinquent mortgage payments
- Mortgage reinstatement or other housing-related costs related to a period of forbearance necessitated by the pandemic
- Delinquent property taxes
- Delinquent homeowner’s insurance and/or flood insurance
- Delinquent Homeowners’/Condominium/Co-Op Association fees
- Delinquent mobile home lot rent
- Up to 3 months of prospective payments, if necessary
IHDA has partnered with over 35 non-profit housing counseling agencies, community-based groups, and legal aid organizations across Illinois to help homeowners who are experiencing technological and/or linguistic challenges, or who are in the midst of a foreclosure. This free technical support is available in more than 37 languages, including American Sign Language.
For more information on how to apply and to view an online webinar detailing the application process, visit the ILHAF official site. If you have any questions, please contact the ILHAF call center at (866) 454-3571. Keep in mind, that the deadline to apply is May 31.
Homeowners in need can also call the West Cook Homeownership Center at (773) 887-5187 or connect with The Journey Forward for free HUD Certified Housing Counseling at (708) 730-4199 or by email at [email protected].