Illinois Hardest Hit Program (HHF) 

Para la versión en español, clic aquí.

Thank you for your interest in the Illinois Hardest Hit program. The HHF program is now closed to new applicants seeking to obtain assistance with their mortgage payment while unemployed or substantially underemployed. Thousands of homeowners across Illinois who have experienced a 20 percent drop or more in income have already been helped and received temporary mortgage assistance through the program.

If you are an existing HHF applicant, please log in to access your account.

If you are still in need of assistance, consider the following resources.

Homeowner Preservation Program (HPP) 

If you have a loan with Bank of America, BMO Harris Bank or any of the servicers listed below and you need help with your mortgage, you could be eligible for up to $50,000 in assistance under the Homeowner Preservation Program. HPP offers qualified homeowners a one-time principal reduction payment designed to permanently lower their monthly mortgage amount.

At least one household member must have a full-time job that provides a 32-hour work week or more, and/or receive unearned income such as Social Security Disability/Retirement, Retirement, or annuity. Other eligibility criteria apply.

Participating servicers are:

Bank of America
Banterra Bank
BMO Harris Bank
Central Federal
CNB Bank & Trust
Credit Union 1
Dovenmeuhle Mortgage     
Fay Servicing
FCB Bank
First Midwest Bank
Illinois National
Marine Bank
Marquette Bank
Midland State Bank
Neighborhood Lending Services    
North Side Community Federal Union
Partnership Financial Credit Union
Second Federal
South Side Community FCU
Standards Bank
Urban Partnership Bank

Contact 855-873-7405 to find out if you are eligible and to start an application.

IFPN Logo The Illinois Foreclosure Prevention Network (IFPN)

If neither the Illinois Hardest Hit program nor the Homeowner Preservation Program are available to you and you are still in need of assistance, contact the Illinois Foreclosure Prevention Network by visiting or call 1-855-KEEP-411 (1-855-533-7411). The Network is a FREE, one-stop resource connecting homeowners with important tools, including access to legal advice, mortgage assistance, and tips on how to avoid mortgage fraud. You can also get connected to a housing counselor who can suggest other programs you may be eligible for. Help is available. Don't delay, act now!

Blight Reduction Program (BRP) 

The Illinois Housing Development Authority also allocates Hardest Hit Funds from the U.S. Department of Treasury to Illinois government entities and their not-for-profit partners as they target blighted, vacant, residential properties in specific communities for demolition, greening, and eventual reuse or redevelopment. Local governments can access more information about the Blight Reduction Program for their communities here.

- WARNING - is the OFFICIAL website for the Illinois Hardest Hit Fund Program.  If you feel you have become a victim of mortgage assistance fraud, you may contact us at or contact the US Department of Treasury’s Office of Financial Stability Anti-Fraud Unit or the SIGTARP Hotline

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