The site publishes general information on issues commonly encountered. Illinois Housing Development Authority's document service also includes a review of your answers for completeness as well as internal consistency of names, addresses and the like. At no time do we review your answers for legal sufficiency, draw professional or legal conclusions, provide professional or legal advice or apply the law to the facts of your particular situation. Illinois Housing Development Authority and its services are not a substitute for the professional advice of an attorney, accountant, mortgage broker, or real estate advisor. Illinois Housing Development Authority strives to keep its documents accurate, current and up-to-date. However, due to rapid changes, Illinois Housing Development Authority cannot guarantee that all the information on the site is completely current. The rules are different from lender to lender, and are also subject to interpretation. Your mortgage loan and or financial situation is a personal matter, and no general information or tool like the kind Illinois Housing Development Authority provides can fit every circumstance or be considered a substitute for professional advice. Furthermore, the information contained on this site is not professional or legal advice, and is not guaranteed to be correct, complete or up-to-date. Therefore, if you need professional or legal advice for your specific problem, or if your specific problem is too complex to be addressed by our tools, you should consult a licensed professional. This site is not intended to create any agent or representative relationship, and by using Illinois Housing Development Authority, no agent or representative relationship will be created with Illinois Housing Development Authority. Instead, you are representing yourself in any matter you undertake through Illinois Housing Development Authority's document service.
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Compliance with Intellectual Property Laws - When accessing Illinois Housing Development Authority or using Illinois Housing Development Authority's document preparation service, you agree to obey the law and you agree to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright, trademark and other intellectual property ownership. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any third party's copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User ID. Illinois Housing Development Authority has adopted a policy that provides for the immediate removal of any content, article or materials that have infringed upon the rights of Illinois Housing Development Authority or of a third party or that violate intellectual property rights generally. Illinois Housing Development Authority's policy is to remove such infringing content or materials and investigate such allegations immediately. If you believe that your copyright has been infringed, and you would like Illinois Housing Development Authority to remove the material in question, please contact us immediately.
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Access - Illinois Housing Development Authority grants the user a limited right to access the questionnaire related to the specific product. This access right will be in place until either of the following events occurs ("access period"): a) 180 days elapse following the day the user accesses Illinois Housing Development Authority, or b) the user submits the product questionnaire for processing and a Loan Modification plan is successfully obtained through an assigned counselor. Upon the termination of the access period, any and all rights created for the user to access the questionnaire shall expire. If the access period lapses without submission of the product questionnaire for processing, Illinois Housing Development Authority has no further obligation to user including, but not limited to, providing access to the product questionnaire and delivering the product.
Authorization to share info - Illinois Housing Development Authority agrees to maintain the confidentiality of user’s information; however, user authorizes Illinois Housing Development Authority and its HHF Review Agencies to release/exchange information from user's records in order to assist user in pursuing foreclosure prevention options including, but not limited to, loan modification, short sale, deed-in-lieu, deed for lease, etc. This information will be released only to those institutions, companies and agencies that Illinois Housing Development Authority believes can provide assistance in preventing a mortgage foreclosure. Examples of such entities include mortgage servicers, mortgage investors, public agencies, real estate related service providers and other nonprofit organizations. If necessary, information on file at another entity may also be released to us. This information release/exchange will be restricted to specific financial data, such as income, budget, debt and mortgage details provided by you. This authorization will remain valid until revoked in writing by the user.
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