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Assistance programs available in the Greater Chicago Area

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Chicago	Albany Park: Neighborhood Improvement Program	Neighborhood Improvement Fund (NIF), which is part of the newly designated Lawrence - Kedzie Tax Increment Financing district (TIF). This program will make funds available to homeowners, within the TIF district, for home repairs.
Suburban Cook Coun	Alliance to End Homelessness	The Alliance to End Homelessness in Suburban Cook County is a non-profit organization responsible for planning and coordinating homeless services and housing options for all of Cook County outside of Chicago and Evanston.
Arlington Heights	Arlington Heights- Multi-Family Rehab Program	Multi-Family Rehab Program - Low interest loans or grants for building improvements are provided to rental property owners who lease a minimum of 51% of the units in a building to low and moderate income tenants at affordable rents.
Arlington Heights	Arlington Heights- Shared Housing Program	Shared Housing Program - The Resource Center for the Elderly matches homeowners with low-income home seekers who are in need of affordable housing. Through this program, homeowners are given the opportunity to generate income and remain independent in their homes while providing decent, safe, affordable housing to low-income home seekers.
Arlington Heights	Arlington Heights- Single-Family Rehabilitation Loan Program	Single-Family Rehabilitation Loan Program - 0% interest rehabilitation loans for low to moderate income homeowners. Financing is provided for basic repairs and maintenance such as roof replacement, driveway paving, plumbing, electric, etc. Modifications to make homes safer and more accessible for senior and disabled residents are also eligible. There are no monthly payments. Loans are repaid in full when the home is eventually sold.
Aurora	Aurora- Emergency Housing Rehabilitation Program	Based on family size and total household income verification, the City of Aurora Neighborhood Redevelopment will provide through the Community Development Block Grant Program a zero-interest, deferred payment loan for the cost of emergency home repairs up to a $5,000 maximum. Technical assistance is also available at no cost for determining what needs to be done, how it should be done, and review of bids from contractors. Apply in person.
Aurora	Aurora- Mortgage Credit Certificate Program	The Mortgage Credit Certificate Program provides first-time homebuyers with a credit on their income taxes equal to one-fourth of the interest paid in each year for the life of the mortgage. Maximum annual credit is 2,000.
Aurora	Aurora- Real Estate Transfer Tax Rebate	For participants in the Assist Program or the Mortgage Credit Certificate (MCC) Program who purchase property in one of the City's targeted neighborhoods, the City will refund its portion of the real estate transfer tax to the buyer. This is a seller expense but a buyer's benefit, and it averages around $200 after closing.
Aurora	Aurora- Reconversion Incentive Program	The City provides financial incentives and assistance per unit removed as long as the structure is restored to its original use. $28,000 is given for the first unit removed, $25,000 for the second, and $22,000 for the third up to a maximum grant of $75,00. Requests for waiving the maximum or the reduction to original use will be considered on a case-by-case basis. Priority is given to applications that can show a significant impact on the neighborhood by the reconversion activity.
Aurora	Aurora- Senior Citizen/Disabled Home Security Grant Program	The Home Security Grant Program provides a $1,000 grant to pay for the purchase and installation of home security features as outlined by a free Aurora Police Department home security survey. The program is available to owner-occupied, income qualified senior - disabled Aurora residents. Eligible items include smoke detectors, deadbolt locks, one-way viewers, window locks, and other materials deemed appropriate by DNR.
Aurora	Aurora- Tenant Relocation Assistance Program	The City of Aurora, through the Community Development Block Grant Program, will pay up to $500 for tenant relocation that happens as a result of a disaster or of posting by the City's Property Standards Division as unfit for human habitation. Funds will be paid to the landlord for the new unit.
Chicago Heights	Bethel Community Facility	To address the spiritual, social, physical, emotional, and cultural needs of people regardless of race, creed or color. In serving the disadvantaged of Suburban Cook County, we will participate in the development of the community economically and socially; promote the educational growth of both children and adults and assist in the strengthening of the family.
Blue Island	Blue Cap	Blue Cap is an organization dedicated to the discovery, pursuit, and achievement of personal growth and dignity for individuals of all ages having or at risk for developmental disabilities.
Chicago	CEDAs Comprehensive Housing Counseling	Comprehensive Housing Counseling offers advice and assistance to help you improve your housing conditions and meet the responsibilities of home ownership and tenancy. Housing issues covered are: How to buy or rent, deal with delinquency and default, conserve energy, solve relocation and displacement problems and access emergency services. This Program includes: *Home Maintenance Seminars *Housing Consumer Educiaton *Home Improvement - Rehabilitation *Information and Referrals to other community resources helpful to homeowners and tenants.
Cook County	CEDAs Home Weatherization	Through CEDA's Home Weatherization program, homeowners and qualified renters may receive attic and sidewall insulation, caulking and weather-stripping, window and door replacement and repair to help make homes more energy effecient. Home Weatherization can also include furnace cleaning and tuning, repair, retrofit or replacement. Weatherization work is performed at no cost to eligible homeowners and renters. The Lead-Based Paint Hazard Reduction Program is also a component of the Weatherization Program. Other programs are ECHR and Mold &Moisture.
	CEDAs Neighborhood Development Corporation	CNDC improves housing conditions and increases the availability of affordable housing through redevelopment of existing properties and new construction.
Chicago	Chicago Adjacent Neighbors Land Acquisition (ANLAP) Program	ANLAP enables homeowners in certain areas of Chicago to purchase vacant, city-owned lots for less than market value.
Chicago	Chicago Asset Control Area Program	The Asset Control Area Program began in 2000 when the US Department of Housing and Urban Development granted funds to municipalities to help rehab 1-4 unit buildings. The Department of Housing developed the ACA Program, using these federal dollars to partially fund its local nonprofit partners Hispanic Housing Development Corporation and Neighborhood Housing Services of Chicago. Funds were made available over a three year period and were not to exceed $40,000 for each one-unit residential property and $50,000 for each two- to four-unit residential property. Administrative expenses were also funded with a maximum limit of $1,056,000 for the Asset Control
Chicago	Chicago City Lots for City Living
Chicago	Chicago Community Loan Fund- Construction Loan	Construction (rehabilitation) loans are short-term, usually with a 1-year term, used to build or rehabilitate a physical structure.
Chicago	Chicago Community Loan Fund- Cooperative housing loans	Cooperative housing loans are a custom mortgage product with a 10 to 15-year term for limited-equity and - or low-income housing cooperatives.
Chicago	Chicago Community Loan Fund- Equipment and working capital l	Equipment and working capital loans, with 3 to 5-year terms, allow nonprofits and worker-owned cooperative to buy equipment needed to establish or expand their commercial enterprise.
Chicago	Chicago Community Loan Fund- For-Profit Predevelopment loans	'For-Profit' Predevelopment loans are available for small to mid-size development firms who are engaged in a housing or economic development project that will benefit low- to moderate-income people and - or communities.
Chicago	Chicago Community Loan Fund- Minipermanent mortgage loan	Minipermanent mortgage loans are custom mortgage products with a 10 to 15-year term that finances the acquisition and - or rehabilitation of a facility.
Chicago	Chicago Community Loan Fund- Predevelopment Loan	Predevelopment loans are short-term, usually the first dollars into a project, and often the most difficult type of financing to access because they cover expenses accrued even before construction begins. Such soft costs include: land or building acquisition, site stabilization, interim maintenance, environmental surveys, appraisals, taxes, insurance coverage, as well as legal, architectural and consultant fees.
Chicago	Chicago Emergency Housing Assistance Program	DOH offers deferred loans to owner-occupants of 1-4 unit residential buildings to repair dangerous, hazardous and life threatening conditions. Applicants must live in the property, and have no other means to pay for repairs. After one year, the loan is fully forgiven. If the property is sold within one year of receipt of assistance, the entire loan must be repaid.
Chicago	Chicago Federal Home Loan Bank - Standby letters of Credit	Standby Letters of Credit are available to facilitate residential housing finance and community development, and economic lending. They may be used in a variety of ways including collaterialization of public unit deposits and as a credit enhancement for financial instruments involving community lending.
Chicago	Chicago Federal Home Loan Bank- Affordable Housing Program	The Affordable Housing Program (AHP) provides subsidies (grants) to member institutions to assist in the creation and preservation of housing for lower income families and individuals. The Chicago FHLB contributes a minimum of 10% of its previous year's net income to the AHP fund.
Chicago	Chicago Federal Home Loan Bank- Community Investment Program	The Community Investment Program (CIP) offers below market rate advances (loans) to finance qualifying community lending projects. CIP advances are continuously available as a source of funds to financial institutions holding stock in the Chicago FHLB. The member can, in turn, lend CIP funds to homebuyers, for-profit, not-for-profit, or public developers of housing, economic development projects, community facilities, and infrastructure.
Chicago	Chicago Federal Home Loan Bank- Downpayment Plus® Program	The Downpayment Plus® Program, which is available to any member financial institution, allows participating members to provide downpayment and closing cost assistance grants when they provide first mortgage financing to income-eligible home buyers. Grants of up to $4,000 are available to borrowers whose incomes are 80% or less of the area median income. Funds are available on a first come, first served basis, with per-member limits established yearly. The funds are separately administered for each state by non-profit organizations. Members who want to participate in the program should contact the program sponsor for the state in which they are headquarter
Chicago	Chicago Green Bungalow Initiative	The Chicago Historic Bungalow Initiative is a program that provides financial incentives to help Chicagoans buy, restore, and improve Historic Chicago Bungalows and to demonstrate energy efficiency in the context of historic design. The program is a joint effort of the City of Chicago, the Historic Chicago Bungalow Association, the Chicago Architecture Foundation, and numerous Chicago banks and real estate brokers.
Chicago	Chicago HRAIL- Home Repairs for Accessible and Independent L	The H-RAIL Program provides free enabling devices and limited, non-emergency home improvements to residences occupied by low-income senior citizens throughout Chicago. Services are provided for accessibility, safety - security and weatherization.
Chicago	Chicago Historic Bungalow Initiative	The Chicago Bungalow was developed in 1919 in response to a pressing demand for owner-occupied housing during a period of dynamic growth in Chicago’s population and economic base. To help preserve this element of Chicago's social and architectural history, the City of Chicago's Department of Housing has created the Historic Chicago Bungalow Initiative. The program is administered in conjunction with a not-for-profit organization, the Historic Chicago Bungalow Association.
Chicago	Chicago Home Ownership Preservation Initiative/311 Campaign	The Homeownership Preservation Initiative (HOPI) is a partnership between the City of Chicago, Neighborhood Housing Services of Chicago, and key lending, investment and servicing institutions doing business in Chicago. The partnership seeks to preserve homeownership whenever possible and keep families in their homes through counseling, loss mitigation and loan workouts. When foreclosure is unavoidable, the partners seek to preserve the vacant properties as neighborhood assets.
Chicago	Chicago HomeMod program	Sponsored by the Mayor's Office for People with Disabilities (MOPD), the HomeMod program provides financial assistance to qualifying individuals with disabilities for structural alterations that increase the accessibility of homes or apartments. Typical alterations include kitchen and bathroom modifications and the addition of interior and exterior lifts and ramps. Specific modifications can include the installation of grab bars, lowering cabinets and countertops and widening doorways. Subsequent work may include, but is not limited to, plumbing, electrical, carpentry, masonry, dry walling, tiling and painting
Chicago	Chicago HomeStart	The objective of this program is to invigorate construction of new housing in the City and to stimulate the redevelopment of communities with a combination of market rate and affordable housing, while increasing the pool of funds available for affordable housing. DOH matches developers with land clusters to develop market rate housing and mixed income housing. Developers work on a fee-for-service basis, pursuant to a negotiated development management agreement outlining the responsibilities of the team for design, construction and marketing of housing. City proceeds from HomeStart developments will be dedicated for affordable housing purposes.
Chicago	Chicago HomeStart	The objective of this program is to invigorate construction of new housing in the City and to stimulate the redevelopment of communities with a combination of market rate and affordable housing, while increasing the pool of funds available for affordable housing. DOH matches developers with land clusters to develop market rate housing and mixed income housing. Developers work on a fee-for-service basis, pursuant to a negotiated development management agreement outlining the responsibilities of the team for design, construction and marketing of housing. City proceeds from HomeStart developments will be dedicated for affordable housing purposes.
Chicago	Chicago Homeowner Assistance Program	The Chicago homeowner Assistance Program was created to help homeowners whose property values rose significantly during the 2000 reassesment. The CHAP program is a low interest loan offered by the City of Chicago and the Cook County Assessor's Office, which may be helpful to homeowners who need assistance paying their property taxes.
Chicago	Chicago Joint Lenders program	A public-private partnership between five private lending institutions and the Department of Housing, the Joint Lenders program provides rehabilitation financing loans of up to $500,000 for eligible owners of buildings with five or more units in Chicago. The loans will be underwritten by the private lender and the construction budget will be approved by an independent inspecting architect.
Chicago	Chicago Location Efficient Mortages	The Location Efficient Mortgage®‚ (LEM) is a mortgage that helps people become homeowners in location efficient communities. These are convenient neighborhoods in which residents can walk from their homes to stores, schools, recreation, and public transportation. People who live in location efficient communities have less need to drive, which allows them to save money and improves the environment for everyone.
Chicago	Chicago Low-Income Housing Trust Fund Rental Subsidy	The Chicago Low-Income Housing Trust Fund provides financial assistance to meet the housing needs of Chicago's poorest residents. It funds and operates the Rental Subsidy Program. The Rental Subsidy Program provides annual subsidies to rental property owners. The owners use the subsidies to reduce rents for tenants with annual household incomes that do not exceed 30% of area median income.
Chicago	Chicago Neighborhood Lending Program	Through the Neighborhood Lending Program, the City of Chicago and Neighborhood Housing Services (NHS), provide first and second mortgage loans for the purchase and purchase - rehab of 1Ð4 units for homeowners who might otherwise not be able to purchase a home. Subsidy resources are also available to eligible households to complement mortgage loans.
Chicago	Chicago New Homes for Chicago	The New Homes for Chicago program is an affordable homeownership initiative offered by Mayor Richard M. Daley through the City of Chicago's Department of Housing to create homeownership opportunities for city residents. Now in its eleventh year, the City's New Homes for Chicago program has approved over 65 developments, or over 1,600 new affordable single-family or two-flat homes, which are either completed or in process throughout Chicago.
Chicago	Chicago Partnership for Affordable Neighborhoods	CPAN, a partnership between the City of Chicago and developers, is a tool to ensure opportunities for affordable condominiums and single family homes in market rate developments, particularly in appreciating neighborhoods, through two steps: a developer write-down and possible purchase price assistance to homebuyers. Participating developers reduce the purchase price to an affordable level on a percentage of the units in a market-rate development. The difference between the market value and the affordable price is recaptured as a junior mortgage, assigned to the Chicago Low-Income Housing Trust Fund. See URL for more.
Chicago	Chicago Partnership for Affordable Neighborhoods	CPAN, a partnership between the City of Chicago and developers, is a tool to ensure opportunities for affordable condominiums and single family homes in market rate developments, particularly in appreciating neighborhoods, through two steps: a developer write-down and possible purchase price assistance to homebuyers. Participating developers reduce the purchase price to an affordable level on a percentage of the units in a market-rate development. The difference between the market value and the affordable price is recaptured as a junior mortgage, assigned to the Chicago Low-Income Housing Trust Fund. See URL for more
Chicago	Chicago Police Officer Homeownership Incentive	Chicago Police Officers are eligible for a maximum of $5,000 in assistance in purchasing a home. The purpose of this program is to encourage police officers to purchase homes in low-income neighborhoods and to enhance neighborhood revitalization efforts. The deferred loan is available for a maximum of $5,000 per household. The loan may be used for the following eligible mortgage expenses: title insurance; credit reports; recording fees; appraisals; points; transfer stamps; third-party property inspection fees; first year's payment of mortgage insurance; and other customary bank related closing charges. This loan will be forgiven if the officer lives...
Chicago	Chicago Preserving Communities Together (PCT)	Preserving Communities Together (PCT) enables interested applicants to request that the City acquire certain vacant and abandoned properties. The conveyance of a property from the City to an applicant requires a City Council ordinance, which would be introduced shortly before the City anticipates obtaining title. Applicants must submit required disclosure documents and enter a redevelopment agreement with the City to provide timely rehabilitation of the property.
Chicago	Chicago Public Schools Teacher Housing Assistance	The Chicago Public School's Teacher Housing Resource Center website offer information on an array of programs available to teachers within the city.
Chicago	Chicago Rents Right	The City of Chicago, in partnership with organizations which represent both tenants and landlords, has formed Chicago Rents Right to educate Chicagoans about the right way to rent. With over 57% of Chicagoans living in rental housing, successful relationips between tenants and landlords are essential to fostering the healthy neighborhoods that make up a vibrant Chicago. Good tenants and landlords invest in their buildings, neighborhoods and the City.
Chicago	Chicago Tax Assistance Program	A vigorous outreach program to educate and assist Chicago's families with available tax relief programs. HOW WILL THE CHICAGO TAX ASSISTANCE CENTER HELP? Informing taxpayers about available income and property tax exemptions and deferral programs. Helping taxpayers apply for available income and property tax relief. Assisting homeowners who feel their property values may have been inaccurately assessed. Educating homeowners, businesses, and citizens about the tax system. Providing legal counsel referrals to taxpayers for some income and property tax issues.
Chicago	Chicago TaxSmart Mortgage Program	TaxSmart is a Mortgage Credit Certificate (MCC) program which entitles first-time home buyers to a federal income tax credit. A tax credit is a direct reduction of taxes due. Under the program, a home buyer would receive an MCC to reduce income taxes by an amount equal to 20% of the interest paid on a mortgage. The tax credit is available each year the home buyer continues to live in a home financed under this program.
Chicago	Chicago Teacher Housing Resource Center (HUD)	HUD Teacher Next Door - the U.S. Department of Housing and Urban Development (HUD) offers a 50% discount to any public or private school teacher or school administrator of grades K-12 who purchases select HUD properties (usually in need of renovation) in certain 'Revitalization Areas.'
Chicago	Chicago Troubled Buildings Initiative	Coordinates the response of City Agencies to address existing conditions that pose a threat to the community and help prevent properties from going into a state of disrepair that leads to non-viability and property abandonment. The City is focusing its efforts to target problem properties and ownership through assessment of fines and economic disincentives. Lenders and mortgage holders are also brought into the process to help address the City's concerns about vacant and abandoned buildings.
Illinois	Circuit Breaker Law- Tax Relief for persons w/ disabilities	The full name of the statute is the Senior Citizens and Disabled Persons Property Tax Relief and Pharmaceutical Assistance Act (Act), also known as the 'Circuit Breaker Law.' It is a state law that provides a grant to reimburse low-income senior citizens and people with disabilities for at least some of the real estate taxes they pay.
Illinois	City-wide Tax Assistance Program	City-wide Tax Assistance Program is a fast-paced entrepreneurial nonprofit organization dedicated to providing innovative and free financial services to hardworking, low-income families. At TAP, we enable the working poor to claim tax credits and refunds as well as overcome barriers to mainstream financial resources by linking skilled volunteer professionals to their communities. Our free programs return income directly to our clients and provide them with the tools to pursue education and develop savings—both assets for the future. To date, more than 50,000 families have benefited from our services for an economic impact of $80 million.
Northern Illinois	Clearbrook Center	Clearbrook is committed to being a leader in creating innovative opportunities, services and supports to individuals with developmental disabilities.
South Suburbs	Community Care Options	Community Care Options is a merger of Community Family Service &Mental Health Association (founded in 1956) and Fillmore Center for Human Services (founded in 1928). We enhance the well-being of families and individuals of all ages through a comprehensive range of mental health treatments, educational programs and related services .
Illinois	Community Development Block Grant Funds	CDBG provides eligible metropolitan cities and urban counties (called 'entitlement communities') with annual direct grants that they can use to revitalize neighborhoods, expand affordable housing and economic opportunities, and - or improve community facilities and services, principally to benefit low- and moderate-income persons.
USA	Community HomeChoice: homeownership for people with disabili	HomeChoiceTM is an underwriting initiative designed to provide single-family mortgages for low-and moderate-income people who have disabilities, or have family members with disabilities living with them. HomeChoice mortgage loans are tailored to meet the unique needs of people who have disabilities, by offering a down payment as low as $500; greater flexibility in qualifying and underwriting standards; and acceptance of nontraditional credit histories.
Cook County	Community Investment Corporation- Construction Financing	Construction financing for the six-county metropolitan area: Prime plus 2 points for the length of the construction period, Calculated and collected as a closing cost so that mortgage payments are not made during the construction phase.
USA	Community Lending products	Fannie Mae also has Community Lending products with special features that may be of interest to people with disabilities, including lower down payments and qualifying income, expanded acceptable sources for closing costs, acceptance of lower cash reserve, and nontraditional credit histories. These loans have downpayments as low as 3-to-5 percent, and require less income to qualify and less cash for down payment than conventional mortgages. Community Lending mortgage loans also require home buyer educaton.
USA	Community Living: a group home housing initiative	Community Living: a group home housing initiative Community Living® mortgage loans are designed to provide financing for small, community-based group homes for individuals who are unable to live independently. While many Community Living group homes house mentally disabled persons, these facilities can serve any disabled group. Community Living mortgage loans differ from traditional single-family mortgages in that qualifying borrowers are not required to be individuals.
Illinois	Community Services Block Grant (CSBG)	Provides long-term, fixed-rate financing to new or expanding businesses that create jobs and employment opportunities for low-income individuals. The program links federal, state and private financing by using CSBG funds at low interest rates in combination with bank funds and equity.
South Suburbs	Community Support Services, Inc.	Community Support Services, Inc., is a private, not-for-profit service agency that initiates, provides and promotes services for people with developmental disabilities and their families, within their communities, in order to strengthen their independence, self-esteem, and ability to participate in and contribute to community life.
Northeast Cook Cou	Connections for the Homeless, Inc.	Connections for the Homeless works with a variety of communities in northeast Cook County through direct services and education to prevent and reduce homelessness among individuals and families.
Cook County	Cook County Class 9 Tax Incentive	In the summer of 2001, Class 9 tax reductions were established as incentives to encourage increased numbers of rental housing throughout Cook County. Eligible properties consist of multi-family buildings with seven or more dwelling units.
Cook County	Cook County Class 9 Tax Incentive	In the summer of 2001, Class 9 tax reductions were established as incentives to encourage increased numbers of rental housing throughout Cook County. Eligible properties consist of multi-family buildings with seven or more dwelling units.
Cook County	Cook County Class S Tax Incentive	With the City's support, in Spring 2002 the Cook County Board of commissioners created an incentive to preserve project-based Section 8 housing units in revitalizing markets. For projects that participate in HUD's Mark-Up-to-Market program, the Class S program reduces the assessment on designated Section 8 units by half. See Class S (pdf 143) brochure for more information.
Cook County	Cook County Home Improvement Exemption	Homeowners can make up to $45,000 worth of property improvements without an increase in property taxes for at least four years. The value varies depending on the reduction of the assessed value and the tax rates where the property is located. Any exemption that is granted will be reflected on the Second Installment tax bill.
Cook County	Cook County Senior Citizen Exemption	Senior Citizens receiving the Senior Citizen Exemption automatically qualify for the Homeowner Exemption and do not have to apply for it separately.
South Suburbs	Crisis Center for South Suburbia	Emergency, short-term shelter is provided to women and children who are experiencing domestic violence. The Center provides housing for up to 60 days in a 35-bed, handicap accessible residential facility. The emergency shelter, 24-hour hotline, and counseling program has been in existence for 23 years.
Illinois	DCEO: Affordable Financing of Public Infrastructure (AFPI)	The Affordable Financing of Public Infrastructure Program provides funds for infrastructure improvements that address health, safety and economic development needs that inhibit development in the state. The Affordable Financing of Public Infrastructure Program helps local governments finance public infrastructure needed to support economic and community development.
Illinois	DCEO: The Community Development Assistance Program (CDAP)	The Community Development Assistance Program (CDAP) is a federally-funded grant program that assists Illinois communities by providing grants to local governments to assist them in financing economic development, public facilities and housing rehabilitation projects. The program is targeted to assist low-to-moderate income people by creating job opportunities and improving the quality of their living environment.' Low-to-moderate income people' is defined by federal Section 8 income guidelines.
Illinois	Direct Loan Multifamily Financing	Mortgage Participation Certificates are financial interests in mortgage loans originated by the Authority (IDHA), which are sold to investors (aka participants). The participants bid against each other by offering various interest rates associated with the term of the loan, the prepayment lockout period, and the loan's market liquidity which depends, in part, on the type of loan credit enhancement. The developer then selects the participant's offer, which the developer deems most attractive.
DuPage County	DuPage County The 2002 Home Equity Loan Program (HELP)	DuPage County and the Illinois Housing Development Authority (IHDA) have partnered to help first-time homebuyers reap yet another benefit of homeownership. . . assistance with down payments and origination fees, thanks to the Home Equity Loan Program (HELP).
DuPage County	DuPage County- Homestead and Housing Choice Programs	Both of these programs provide education, counseling and a reduced-interest financing package that significantly boosts the purchasing power of low and moderate income persons to help them buy a home. Additionally, the Housing Choice program allows current Housing Choice ('Section 8') Voucher Holders to use their subsidy toward a mortage payment.
DuPage County	DuPage County- Senior Services	DuPage County offers a number of programs directed at protecting the lives of DuPage County senior citizens and ensuring they receive the services for which they qualify.
DuPage County	DuPage HOPE for Seniors Program ( Home Ownership Preservatio	The HOPE for Seniors Program ( Home Ownership Preservation for the Elderly) offers free, unbiased information and counseling to senior homeowners about reverse mortgages, tax relief options and low-cost home repair program – giving seniors a realistic picture of what these services would mean for their personal circumstances. HOPE is ideal for seniors who are worried about being able to afford to stay in or maintain their home as they get older. Seniors can receive confidential counseling about their personal circumstances and honest information about their rights and options.
DuPage County	DuPage Housing and Emergency Rental Assistance	Income eligible households may receive limited financial assistance with their rent or mortgage.
DuPage County	DuPage Shared Housing Program	Matches individuals who are seeking an affordable housing arrangement with residents wanting to share their homes.
DuPage County	DuPage Shared Housing Program	Matches individuals who are seeking an affordable housing arrangement with residents wanting to share their homes.
DuPage County	DuPage- Just Homes	CHAD provides a solution to home ownership in DuPage County through a community land trust program in which first-time homeowners buy the house and lease the land. When the homeowners sell the house, CHAD buys it back at 60 percent of the appraisal price at the time of the sale.
DuPage County	DuPage- Single family rehab program	Loan Programs Available: 3% Simple Interest &Deferred Loans Qualified homeowners may borrow up to $20,000 at 3% simple interest with as long as fifteen years to repay in low monthly payments. The second loan program allows a homeowner to borrow as muh as $20,000 with no monthly payments or interest charges until a transfer of title. The CDC Rehab Office determines qualification for these programs upon receipt of application. There loans are part of the County's CDC Block Grant Program which is funded by the United States Department of Housing and Urban Development.
USA	Federal HOME Funds	In 1990, Congress sought an affordable housing plan—national in scope, yet locally flexible. Dollars sent to states and localities via HUD, Congress said, must be administered by seasoned and successful housing finance agencies. As a result, The National Affordable Housing Act of 1990 (of which HOME is one part) was enacted, and the Illinois Housing Development Authority (IHDA) was selected by the governor as the entity best qualified to run HOME statewide.
USA	Federal Historic Preservation Tax Credit Program	The Federal Historic Preservation Tax Credit Program provides federal income-tax incentives for the rehabilitation of historic income-producing properties. The Illinois Historic Preservation Agency, Preservation Services division, administers it for Illinois properties. Under the provisions of the Tax Reform Act of 1986, a 20% tax credit is available for the substantial rehabilitation of commercial, agricultural, industrial, or rental residential buildings that are certified as historic. The credit maybe subtracted directly from federal income taxes owed by the owner. (Note: The U.S. Internal Revenue Service is the final judge of economic matters relative...
Northbrook	Glenkirk	Glenkirk's mission is to provide quality, lifetime supports and services which empower individuals with developmental disabilities to participate fully in all areas of community life. Glenkirk will advocate for and provide support and service based on the principles of informed choice, personal dignity, responsibility and individualization thereby enhancing the quality of life for all those whom Glenkirk serves.
USA	Golden Feather	Golden Feather Realty specializes in the management and disposition of single-family homes. We are nationwide real estate asset managers for the U.S. Department of Housing and Urban Development (HUD).
Chicago	Green Homes for Chicago	Green Homes for Chicago was a pilot project undertaken by the City of Chicago to determine if green building technologies and practices could be incorporated affordably into new residential construction.
Chicago	HCP of Illinois, Inc.	HCP was created to operate a new ground-breaking program to provide expanded housing choice to families in concentrated areas. The idea was to encourage access to opportunity areas for low-income families.
USA	HODC- Employer Assisted Housing	Housing Opportunity Development Corporation partners with local employers to develop an employer-assisted housing program that promotes affordable housing options near jobs and helps employers retain workers. Services in northeastern Cook and southeastern Lake counties.
USA	HOPE VI	The HOPE VI Program was developed as a result of recommendations by National Commission on Severely Distressed Public Housing, which was charged with proposing a National Action Plan to eradicate severely distressed public housing. The Commission recomended revitalization in three general areas: physical improvements, management improvements, and social and community services to address resident needs.
USA	HUD Mortage Insurance Programs Indian Reservations and Other	A family who purchases a home under this program can apply for financing through a HUD approved lending institution such as a bank, savings and loan, or a mortgage company. To quality, the borrower must meet standard FHA credit qualifications. An eligible borrower can receive approximately 97% financing . An eligible party can produce a gift for the downpayment. Closing cost can be financed; covered by a gift, grant, or secondary financing; or paid by the seller without reduction in value.
USA	HUD- Section 811 Supportive Housing/People with Disabilitie	HUD provides funding to nonprofit organizations to develop rental housing with the availability of supportive services for very low-income adults with disabilities, and provides rent subsidies for the projects to help make them affordable.
USA	HUD- 203(b) Mortage Insurance	To provide mortgage insurance for a person to purchase or refinance a principal residence. The mortgage loan is funded by a lending institution, such as a mortgage company, bank, savings and loan association and the mortgage is insured by HUD.
USA	HUD- 203(k) loan	The purchase of a house that needs repair is often a catch-22 situation, because the bank won't lend the money to buy the house until the repairs are complete, and the repairs can't be done until the house has been purchased. HUD's 203(k) program can help you with this quagmire and allow you to purchase or refinance a property plus include in the loan the cost of making the repairs and improvements. The FHA insured 203(k) loan is provided through approved mortgage lenders nationwide. It is available to persons wanting to occupy the home. The downpayment requirement for an owner-occupant (or a nonprofit organization or government agency) is app
USA	HUD- Assisted Living Conversion Program	To provide private nonprofit owners of eligible developments with a grant to convert some or all of the dwelling units in the project into an Assisted Living Facility (ALF) for the frail elderly. The facility must be licensed and regulated by the State (or if there is no State law providing such licensing and regulation, by the municipality or other subdivision in which the facility is located).
USA	HUD- Cities that offer homebuying assistance programs	The cities listed on URL below offer various incentives for Homebuying. Contact the city for details. (see URL)
USA	HUD- Congregate Housing Service Program	The Congregate Housing Services Program offers grants to States, units of general local government, public housing authorities (PHAs), tribally designated housing entities (TDHES), and local nonprofit housing sponsors to provide meals and other supportive services needed by frail elderly residents and residents with disabilities in federally subsidized housing. It is a project-based-rather than a tenant-based-program.
USA	HUD- Energy Efficient Mortages FHA Mortage Insurance	In 1992 Congress mandated a pilot demonstration of energy-efficient mortgages (EEMs) in five States. In 1995 the pilot was expanded as a national program. FHA insured 16,000 EEMs in FY1998 (1.5 percent of total FHA loans) 30,044 EEMs in FY1999 (2.3 percent of total FHA loans) and 28,578 in FY2000 (3.1 percent of total FHA-insured loans). EEMs recognize that reduced utility expenses can permit a homeowner to pay a higher mortgage to cover the cost of the energy improvements on top of the approved mortgage. FHA EEMs provide mortgage insurance for a person to purchase or refinance a principal residence and incorporate the cost of energy-efficient...
USA	HUD- Family Self-sufficiency	Family self-sufficiency (FSS) is a HUD program that encourages communities to develop local strategies to help assisted families obtain employment that will lead to economic independence and self-sufficiency. Public housing agencies (PHAs) work with welfare agencies, schools, businesses, and other local partners to develop a comprehensive program that gives participating FSS family members the skills and experience to enable them to obtain employment that pays a living wage.
USA	HUD- Foreclosure Information	The guidance in this link (and in the 'How to Avoid Foreclosure' pamphlet) is applicable to homeowners with FHA Insured loans. While a good deal of this information may apply to all homeowners in danger of losing their homes, not all of the foreclosure avoidance tools mentioned may be available to you if you have a VA or conventional loan.
USA	HUD- Home Equity Conversion Mortages	The HECM FHA insured reverse mortgage can be used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and - or a line of credit to be repaid when they no longer occupy the home. The loan, commonly known as HECM, is funded by a lending institution such as a mortgage lender, bank, credit union or savings and loan association.
USA	HUD- Home Investment Partnerships Program (Home)	The HOME program helps to expand the supply of decent, affordable housing for low and very low- income families by providing grants to States and local governments called participating jurisdictions or 'PJs'. PJs use their HOME grants to fund housing programs which meet local needs and priorities. PJs have a great deal of flexibility in designing their local HOME programs within the guidelines established by the HOME program statute and Final Rule. PJs may use HOME funds to help renters, new homebuyers or existing homeowners.
USA	HUD- Housing Choice Voucher Program	Housing choice vouchers allow very low-income families to choose and lease or purchase safe, decent, and affordable privately-owned rental housing.
USA	HUD- Mortage Insurance for Cooperative Housing: Section 213	Section 213 insures mortgage loans to facilitate the construction, substantial rehabilitation, and purchase of cooperative housing projects. Each member shares in the ownership of the whole project with the exclusive right to occupy a specific unit and to participate in project operations through the purchase of stock.
USA	HUD- Mortage Insurance for Manufactured Home Parks: Section	Section 207 Program insures mortgage loans to facilitate the construction or substantial rehabilitation of multifamily manufactured home parks
USA	HUD- Mortage Insurance for Purchase or refinancing of exsist	Section 207 - 223(f) insures mortgage loans to facilitate the purchase or refinancing of existing multifamily rental housing. These projects may have been financed originally with conventional or FHA insured mortgages. Properties requiring substantial rehabilitation are not eligible for mortgage insurance under this program. HUD permits the completion of non-critical repairs after endorsement for mortgage insurance.
USA	HUD- Mortage Insurance for Rental Housing Section 207	Section 207 Program insures mortgage loans to finance the construction or rehabilitation of a broad range of rental housing. Section 207 mortgage insurance, although still authorized, is no longer used for new construction and substantial rehabilitation. It is however, the primary insurance vehicle for the Section 223(f) refinancing program. Multifamily new construction and substantial rehabilitation projects are currently insured under the Section 221(d)(3) and Section 221(d)(4) programs
USA	HUD- Mortage Insurance for Rental Housing and Urban Renewal	Section 220 insures loans for multifamily housing projects in urban renewal areas, code enforcement areas, and other areas where local governments have undertaken designated revitalization activities.
USA	HUD- Mortage Insurance for Rental and Cooperative Housing	Section 221(d)(3) and 221(d)(4) insures mortgage loans to facilitate the new construction or substantial rehabilitation of multifamily rental or cooperative housing for moderate-income families, elderly, and the handicapped. Single Room Occupancy (SRO) projects may also be insured under this section.
USA	HUD- Mortage Insurance for Rental housing for elderly	The Section 231 insures mortgage loans to facilitate the construction and substantial rehabilitation of multifamily rental housing for elderly persons (62 or older) and - or persons with disabilities
USA	HUD- Mortage Insurance for SRO projects	Section 221(d)(3) and 221(d)(4) program insures mortgage loans for multifamily properties consisting of single-room occupancy (SRO) apartments. There are no Federal rental subsidies involved with this SRO program. It is aimed at those tenants who have a source of income but are priced out of the rental apartment market. SRO projects generally require assistance from local governing bodies or charitable organizations in order to reduce the rents to affordable levels. Although SRO housing is intended for very low-income persons, the program does not impose income limits for admission.
USA	HUD- Mortage Insurance for Supplemental Loans, Multi-family	Section 241(a) insures mortgage loans to finance repairs, additions, and improvements to multifamily rental housing and health care facilities with FHA insured first mortgages or HUD-held mortgages.
USA	HUD- Mortage Insurance for two-year operating loss loans	Section 223(d) insures two-year operating loss loans that covers operating losses during the first 2 years after completion (or any other 2-year period within the first 10 years after completion) of multifamily projects with a HUD-insured first mortgage.
USA	HUD- Mortage Insurance of Nursing Homes Section 232 and Sect	Section 232 insures mortgage loans to facilitate the construction and substantial rehabilitation of nursing homes, intermediate care facilities, board and care homes, and assisted-living facilities. Section 232 - 223(f) allows for the purchase or refinancing with or without repairs of existing projects not requiring substantial rehabilitation.
USA	HUD- Mortage Insurance: Condominium Projects Section 234(d)	Section 234(d) insures blanket mortgages for the construction or substantial rehabilitation of multifamily projects to be sold upon completion as individual condominium units.
USA	HUD- Multifamily Housing Service Coordinators	Service Coordinators assist elderly individuals and persons with disabilities, living in federally-assisted multifamily housing, to obtain needed supportive services from community agencies. Services are intended to prevent premature and inappropriate institutionalization
USA	HUD- Neighborhood Networks	Neighborhood Networks (NN) is a program that encourages property owners, managers, and residents of HUD-insured and -assisted housing to develop computer centers where residents can learn job skills and become more economically self-reliant.
USA	HUD- Property Improvement Loan Insurance (Title I)	The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. This is one of HUD's most frequently used loan insurance products--by the end of fiscal year (FY) 1996, it had insured almost 35 million loans totaling $43.6 billion. The Title I program insures loans to finance the light or moderate rehabilitation of properties, as well as the construction of nonresidential buildings on the property. This program may be used to insure such loans for up to 20 years on either single- or multifamily proper
USA	HUD- Public Housing Renting In Illinois	To apply for public housing or Housing Choice (Section 8) vouchers, you will need to visit your local public housing agency. Many have long waiting lists, so you may want to apply at more than one public housing agency.
Illinois	HUD- Public Housing Vouchers for Homeownership	This is a new program, which if adopted by local Housing Authorities, allows tenants with Housing Choice Vouchers, to use those vouchers to buy a home. These are the Housing Authorities in Illinois, which are participating in the program. There will be more in the future. Rock Island Housing Authority DuPage Housing Authority Chicago Housing Authority Rockford Housing Authority
USA	HUD- Rehabilitation Mortage Loan Insurance	The Section 203(k) program is HUD's primary program for the rehabilitation and repair of single family properties. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities.
USA	HUD- Relocation Assistance to tenants displaced	Information on relocation assistance available to individuals or families displaced from their homes as a direct result of rehabilitation, demolition or acquisition for a project in which federal funds were used.
USA	HUD- Risk-sharing program- Qualified Participating Entities	The Department of Housing and Urban Development (HUD) provides reinsurance on multifamily housing projects whose mortgage loans are originated, underwritten, serviced, and disposed of by Qualified Participating Entities (QPEs) and - or their approved lenders. Section 542(b) encourages the development and preservation of affordable housing. The program was developed as a demonstration program to test innovative mortgage insurance and reinsurance products to provide affordable multifamily housing through a partnership between the QPEs and HUD. HUD's mortgage credit enhancements are used to support the underwriting and production strengths of Fannie Mae, Freddie Ma
USA	HUD- Section 202 Supportive Housing for the Elderly Program	HUD provides capital advances to finance the construction, rehabilitation or acquisition with or without rehabilitation of structures that will serve as supportive housing for very low-income elderly persons, including the frail elderly, and provides rent subsidies for the projects to help make them affordable.
USA	HUD- Self-help Homeownership Opportunity Program (SHOP)	SHOP provides funds for non-profit organizations to purchase home sites and develop or improve the infrastructure needed to set the stage for sweat equity and volunteer-based homeownership programs for low-income families. SHOP is authorized by the Housing Opportunity Program Extension Act of 1996 as ammended, Section 11, and is subject to other Federal crosscutting requirements. National and regional nonprofit organizations or consortia with experience in using volunteer labor to build housing may apply this is a competitively based program funded through the NOFA.
Countryside	Helping Hand Rehabilitation Center	The mission of Helping Hand Rehabilitation Center is to assist persons with disabilities to achieve their highest level of independence through quality programs and services.
Illinois	Heritage Grants program	The Illinois Historic Preservation Agency administers the Illinois Heritage Grants program that provides state funding for brick-and-mortar preservation projects. The Agency's current budget includes $250,000 for individual grants up to $25,000 for properties listed on the National Register of Historic Places or designated as landmarks under county or municipal preservation ordinances.
Illinois	Historic Preservation Property Tax Assessment Freeze	Rehabilitating your older home is rewarding in many ways, and with the Property Tax Assessment Freeze homeowners may be eligible for financial incentives that make the work even more attractive. The Property Tax Assessment Freeze Program provides tax incentives to owner-occupants of certified historic residences who rehabilitate their homes. Through the Property Tax Assessment Freeze Program, the assessed valuation of the historic property is frozen for eight years at its level the year rehabilitation began. The valuation then is brought back to market level over a period of four years.
USA	Home Sharing Programs	Shared housing programs fall into one of two categories: Match-up programs, which help home providers find a compatible home seeker to pay rent or possibly provide services in exchange for a reduction in rent; and shared living residences, which involve a number of people living cooperatively as an unrelated family in a large dwelling.
Northwest Suburbs	Home of the Sparrow	Home of the Sparrow provides transitional shelter for homeless women and their children in the Northwest Suburbs, with shelters in Crystal Lake, McHenry, and Palatine. Home of the Sparrow strives to empower individuals and families to eliminate homelessness, joblessness and hunger by teaching self-reliance, independence and self-discipline.
Northwest Suburbs	Home of the Sparrow	Home of the Sparrow provides transitional shelter for homeless women and their children in the Northwest Suburbs, with shelters in Crystal Lake, McHenry, and Palatine. Home of the Sparrow strives to empower individuals and families to eliminate homelessness, joblessness and hunger by teaching self-reliance, independence and self-discipline.
Northwest Suburbs	Home of the Sparrow	Home of the Sparrow provides transitional shelter for homeless women and their children in the Northwest Suburbs, with shelters in Crystal Lake, McHenry, and Palatine.
Cook County	Homeowner Tax Exemptions	Cook County homeowners may take advantage of several valuable property tax saving exemptions. There are currently 5 exemptions that must be applied for or renewed annually: The Homeowner Exemption, Senior Citizen Homestead Exemption, Senior Citizen Assessment Freeze Exemption, Home Improvement Exemption and the Long-Time Homeowner Exemption. See URL for more details.
Homewood	Homewood- Single Family Rehab	The Village of Homewood is able to provide no interest deferred payment loans to qualifying households for building repairs. These funds are made available through the Cook County Community Development Block Grant Program.
Illinois	Housing Opportunity Program	When making any decision, it’s always nice to know all of your options. That’s the objective of CHAC’s Housing Opportunity Program---to make sure that families with vouchers explore all of their housing options. There are more than 77 neighborhoods in Chicago, and families with vouchers may choose to live in any one of them. Opportunity Neighborhoods, those where less than 24 percent of the population has income below the poverty line, are particularly attractive areas, especially for families with children. Families who move to Opportunity Neighborhoods often find better schools, less crime and better amenities such as transportation, recreational facili
Illinois	IHDA - HOME funds Community Housing Development Organization	Community Housing Development Organizations (CHDOs) are specially defined non-profits allowed to compete each year for a 15 percent HOME reserve once they meet certain HUD criteria and are certified as CHDOs by the Illinois Housing Development Authority (IHDA).
Illinois	IHDA Bonds	The Illinois Housing Development Authority (IHDA) is empowered to issue tax-exempt and taxable bonds to provide construction and permanent financing for multifamily rental developments. The program offers developers low-interest rate construction and permanent loan financing through one application process. Rehabilitation and refinance loans are considered on a case-by-case basis. Proposed developments wholly owned by non-profit organizations may be eligible for 501(c)(3) bonds. (Contact IHDA for 501(c)(3) bond eligibility requirements).
Illinois	IHDA First-time homebuyer program	IHDA helps low- and moderate-income families become first-time homeowners. We fulfill this important mission through a number of initiatives and programs.
Illinois	IHDA Homebuyer Assistance and Rehabilitation/Program	Homeownership is a dream for most Americans, regardless of their income level. That’s why HOME offers down payment, closing cost and rehabilitation assistance to low-income homebuyers who make the purchased home their principal residence and rehabilitate it according to IHDA and HUD standards. Before receiving HOME assistance, prospective homebuyers must take part in homeownership counseling to ensure they understand budgeting and personal financial management, home mainte­nance, the mortgage loan process, legal documents and obligations associated with buying a home, and “work-out” options they have with mortgage lenders in case financial problems arise.
Illinois	IHDA Mortgage I-Loan Certificate (MCC)	The I-Loan Certificate (Mortgage Credit Certificate, a.k.a. MCC) allows first-time homebuyers to receive a dollar for dollar reduction in federal income taxes of 25 percent of their mortgage interest. This reduction is in addition to the standard income tax deduction available when purchasing a home. Please keep in mind that the I-Loan Certificate is not a loan in and of itself. It is a tax credit
Illinois	IHDA Mortgage Revenue Bond (MRB) Program	This program offers 30-year fixed-rate mortgage products with interest rates approximately ½ percent below market rates. Borrowers must be first-time buyers (except in targeted areas*), with income and purchase price not exceeding specified limits. Underwriting standards are standard conventional “affordable housing” standards as published by the major Private Mortgage Insurance (PMI) companies and Fannie Mae - Freddie Mac.
Chicago Region	IHDA Regional Housing Initiative	Developers in the Chicago region are benefiting from the Regional Housing Initiative (RHI), a new and innovative tool that supports new construction, rehabilitation and - or acquisition of mixed-income family housing near jobs and transportation. The program was created to spur housing development that meets the Housing Endorsement Criteria adopted by the Metropolitan Mayors Caucus, and addresses several priority concerns of Gov. Rod Blagojevich regarding housing in Illinois.
Illinois	IHDA Risk Share	IHDA offers first mortgage loans financed by the sale of mortgage participation certificates, or the issuance of taxable bonds and tax-exempt bonds for qualifying multifamily rental developments. The loans are credit enhanced by FHA mortgage insurance, which is provided jointly by IHDA and HUD pursuant to the Risk-Sharing Program. The majority of the loan processing is handled by IHDA and therefore can be processed faster than HUD's Multifamily Accelerated Processing Program.
Chicago Region	IHDA Rural Guarantee Housing Initiative	The Rural Guarantee Housing Initiative targets individuals - families with income at or below 65% of county median income(income limits determined by IHDA). Applicants must be first time homebuyers or not have owned a home within three years. This program will serve the rural counties of Illinois. Cities of population less than 20,000 (10,000 outside a metrostatistical area) are eligible. The Illinois Housing Development Authority (IHDA) will supply $15 million in below market, fixed rate mortgage funds. Current interest rate will be posted at http: - - www.pfho.org. United States Department of Agriculture Rural Development (USDA RD) will guarantee th
Illinois	IHDA Single Family Owner-Occupied Rehabilitation Program	A major concern of low-income Illinois homeowners is keeping up with neces­sary but costly repairs. This is particularly true of older homes with weathered roofs, worn siding, outdated plumb­ing - heating systems, drafty windows, or outmoded electrical wiring. The tough choice for limited-income people thus often becomes making major house repairs or watching homes filled with memories deteriorate around them.
Illinois	IHDA Small Rental Properties Program	The Small Rental Properties Program (SRPP) was designed to help local gov­ernments meet a persistent affordable housing problem— the need to rehabil­itate rental properties with 11 or fewer units to increase or preserve the stock of low-income apartments, particularly in small rural communities. Governments are encouraged to structure their programs to meet specific, local rental rehabilitation needs. Small rental prop­erties are defined by the HOME Program as those with one to 11 units.
Illinois	IHDA- How To Cede Bond Volume Cap	Illinois municipalities and counties that have not used all their tax exempt bonding (borrowing) power may cede the entirety or a portion of it to IHDA. This allows IHDA to create a specialized homeownership program in your community at absolutely no cost to you.
Will County	IHDA- Will County Homebuyer Program	The loan consists of a 30-year fixed-rate, first mortgage at: 5.25%, 0 points or 5.5%, 0 points with up to $1,000 in closing cost assistance or 5.670%, 0 points and up to $1,500 in closing cost assistance A second mortgage from Will County HOME of up to $15,000 at 0% and forgiven at a rate of 1 - 120th per month.
Illinois	Illinois Affordable Housing Tax Credits	The Illinois Affordable Housing Tax Credit (IAHTC) allows individuals or organizations to give donations in the form of cash, securities, personal property or real estate to participating non-profit housing developers. A number of donations may be made, but the aggregated amount must be at least $10,000. The state income tax credit is worth 50 cents-on-the-dollar, which means that a donation of $10,000 would cost the donor $5,000.
Illinois	Illinois Affordable Housing Trust Fund	Created by the Illinois Legislature in 1989, the Illinois Affordable Housing Trust Fund assists in the provision of affordable, decent, safe and sanitary housing for low- and very low-income households. The source of Trust Fund revenue is half of the state real estate transfer fee. This provides approximately $20 million to $22 million each year. The maximum award from the Trust Fund for a project is typically $750,000. Sponsors are generally limited to applying for up to $1.5 million in any 12-month period.
Illinois	Illinois Circuit Breaker Program	Qualifying seniors and disabled citizens receive state grants to help reimburse expenses that include: -property taxes -nursing home fees -pharmaceutical expenses
Illinois	Illinois Department of Aging Caregiver Support Program	The Illinois Department on Aging and Aging Network has and will continue to focus on helping caregivers who reside throughout the United States. One in four households (25%) takes on the role of providing care to older family members and friends. Family caregivers serve as a critical component in providing the long term care needs of older adults. Eighty-five percent (85%) of all long term care services are provided by unpaid caregivers. If the work of these family caregivers had to be replaced by paid home care staff, the estimated cost would be $45 to $94 billion per year.
Illinois	Illinois Department of Aging Choices for Care Program	Since 1996, Illinois law (Public Act 89-21) requires that all persons age 60 and older who are seeking admission to a long term care facility be informed of all care options prior to admission, regardless of the individual’s income, assets or funding source.
Illinois	Illinois Department of Aging Community Care Program	Established in 1979 by Public Act 81-202, the Illinois Department on Aging’s Community Care Program helps senior citizens, who might otherwise need nursing home care, to remain in their own homes by providing in-home and community-based services.
Illinois	Illinois Department of Aging Companion Services	Senior Companion agencies provide an array of assistive, supportive companionship services to frail seniors by utilizing volunteers, also age 60 or older, who have limited income.
Illinois	Illinois Department of Aging Homemaker Services	This Community Care Program service provides assistance with household tasks such as cleaning, planning and preparing meals, doing laundry, shopping and running errands. Homemakers also assist clients with personal care tasks such as dressing, bathing, grooming and following special diets.
Illinois	Illinois Department of Aging Information and Assistance Serv	Social and demographic trends are making information and assistance services increasingly important to the average American family. Americans live longer and require more help to cope with chronic conditions and frailties. Older adults often live alone, with no younger family members residing in the immediate area. Family members are likely to live several miles away or in other states. Even when adult children live near their parents, both are likely to work.
Illinois	Illinois Department of Aging Limited English Speaking Elderl	Senior citizens who are not fluent in English and live in the Chicago area can locate an ethnic provider by contacting the Coalition of Limited-English Speaking Elderly (CLESE), a consortium of ethnic organizations representing 18 different ethnic groups.
Illinois	Illinois Department of Aging Money Management Services	Developed in conjunction with the AARP Money Management Program, Illinois Volunteer Money Management is a financial services program that assists low income older persons who have difficulty managing their personal household budgets, paying bills, keeping track of banking records, intervening with creditors, completing medical forms, and handling other issues related to personal finances.
Illinois	Illinois Department of Aging Nutrition Program	The Elderly Nutrition Program provides meals served in group settings and delivered to people’s homes. Meals and other nutrition services are provided in a variety of settings, such as senior centers and churches.
Illinois	Illinois Department of Aging Outreach Services	Outreach services target older people in Illinois communities who are difficult to contact and who may not be aware that senior services are available in their communities.
Illinois	Illinois Department of Aging Prevention of Spousal Impoveris	The Prevention of Spousal Impoverishment standards for Community Care Program services, mandated by Public Act 87-740, seek to prevent a married couple from being impoverished by the costs of long term care, allowing them to maintain an adequate estate and monthly income, while providing a resource which will pay for Community Care Program (CCP) services for the impaired spouse.
Illinois	Illinois Department of Aging Residential Repair & Rennovatio	Residential repair and renovation services are available in some Illinois communities. Residential repair and renovation services include adaptations to homes that can make it easier and safer to carry out activities such as bathing, cooking, and climbing stairs as well as alterations to the physical structure of the home to improve its overall safety and condition.
Illinois	Illinois Department of Aging Senior Centers	Many older adults and their families are struggling to bridge the gaps between work and retirement, full independence and limited support, good health and chronic conditions. Senior centers are instrumental in bridging those gaps.
Illinois	Illinois Development Finance Authority- Not-for-profit Bond	IDFA helps non-profit, 501(c)(3) corporations secure low cost, tax-exempt financing for capital improvement projects through tax-exempt revenue bonds. Tax-exempt financing may be used by non-profits for the acquisition, construction or renovation of real estate; the acquisition of machinery, equipment or other fixed assets; or, in some cases, refinancing outstanding debt. the maturity of the debt will generally match the useful lives of the assets financed.
Illinois	Illinois Development Finance Authority- Not-for-profit lease	The Development Finance Authority provides non-profit, 501(c)(3) corporations with low cost, tax-exempt lease financing for acquisition of machinery, equipment or other fixed asset and capital improvement projects. Capital equipment and certain real estate purchases are financed with a lease-purchase agreement between the not-for-profit corporation and the Development Finance Authority. The maturity of the lease will generally match the useful lives of the assets Financed up to 10 years.
Illinois	Illinois Facilities Fund- Loan Programs	IFF makes below-market loans to nonprofit corporations located in or serving low-income communities and special needs groups. In accordance with our mission, we work with organizations that may lack access to other types of financing in order to help deserving nonprofits move forward with their own missions.
Illinois	Illinois Home Weatherization Assistance Program (IHWAP)	The Illinois Home Weatherization Assistance Program (IHWAP) is designed to help low income residents save fuel and money, while increasing the comfort of their homes.
Illinois	Illinois Homeless Shelter Energy Conservation Program	In cooperation with the Illinois Department of Public Aid, DCEO provides grants and technical assistance to providers of shelter to the homeless. Grants allow the providers to reduce utility costs and use the savings to supplement their budgets for other services to the homeless.
Illinois	Illinois Homeownership Coalition for People with Disabilitie	Down-payment assistance and lowered interest for people with disabilities seeking to buy a home.
Illinois	Illinois Low Income Housing Tax Credit	Created under the Tax Reform Act of 1986, the low-income housing tax credit has become the chief mechanism to make the creation of low-income rental housing financially feasible. Low Income Housing Tax Credits are also known as LIHTC's, Federal Credits, and 9%.
Illinois	Illinois State Treasurer: Own Your Own Home Program	Our Own Home is a statewide program to help people buy their first homes or keep their homes from being foreclosed. The program acts like your buying partner. We tell lenders that we’ll help back up your own investment with funds from our program. Our goal is to give lenders the reassurance they need to make a loan.
Chicago Region	Jewish Council on Urban Affairs- Community Venture Program	JCUA’s Community Development program offers no-interest loans and technical assistance to community-based organizations and community development corporations undertaking affordable housing or economic development projects.
Kane County	Kane County- Community Contacts, Inc.: Single-family housing	The purpose of the HOME program is to help homeowners rehabilitate their homes, bringing them into compliance with local housing standards. Community Contacts, Inc. began its first 'HOME' Single-Family, Owner Occupied Rehabilitation Program in 1995, and has rehabilitated over 200 homes in Kane and DeKalb counties. Funding is from the Illinois Housing Development Authority (IHDA), the DuPage Consortium, Kane County C.D.B.G., and other local and state agencies.
Kane County	Kane County- Homebuyer Assistance Program (HAP)	The HOMEBUYER Assistance Program helps individuals in Kane and DeKalb counties who have incomes of 80 percent, or below, of the local median income. The program may assist with the down payment and closing costs. In addition, funds may be available for repairing or updating the home in order to meet Housing Quality Standards. Local, participating banks provide first mortgages to eligible applicants. Loans are 30 year, fixed rate, conventional loans at one-quarter percent discount.
Kane County	Kane County- Housing Rehabilitation Program (HOME)	The purpose of the HOME program is to help homeowners rehabilitate their homes, bringing them into compliance with local housing standards.
Kane County	Kane and DeKalb counties: Housing Rehabilitation Program (HO	The purpose of the HOME program is to help homeowners rehabilitate their homes, bringing them into compliance with local housing standards.
Chicago	LISC- Predevelopment Loans	PREDEVELOPMENT LOANS are used for projects that are likely to proceed to construction. Commitment for permanent financing has usually been obtained by the organization from one or more sources. All LISC loans must be secured with either real estate or other assets from the borrower.
Chicago	LISC- Comprehensive Development Grant	COMPREHENSIVE DEVELOPMENT-provided to assist community organizations in community building efforts such as public safety, job readiness training, health care and education.
Chicago	LISC- Construction Financing	CONSTRUCTION FINANCING is provided by LISC usually in tandem with a lead construction lender, such as local bank. LISC is willing to take a subordinate position on its collateral to conventional lender and will share its position with other non-profit or public lenders.
Chicago	LISC- Equity-LISC	EQUITY-LISC also provides equity for affordable 'Low-Income Housing Tax Credit' financed rental housing through its affiliate, the National Equity Fund (NEF).
Chicago	LISC- Feasibility Grants	FEASIBILITY GRANTS-used to cover expenses associated with testing whether development of a particular project is feasible. These include market studies, land use plans, financial analyses or other activities necessary to determine viability of a proposed project.
Chicago	LISC- Mini-Perm Loans	MINI-PERM LOANS are used generally for commercial or industrial developments. These loans can have a maturity of up to 10 years (depending) on the nature of the project and may be either fully-amortizing or have a longer amortization term with a balloon payment at the end.
Chicago	LISC- Planning Grants	PLANNING GRANTS-generally awarded when are used for efforts that are broader than a single project and where the cost cannot be recouped by any one project. 'Visioning' or strategic planning, physical planning, physical plans, quality of life plans and regional plans fall in this category.
Chicago	LISC- Recoverable Grants	RECOVERABLE GRANTS-Average grant size is $20,000. If the project proceeds to development, the grant is repaid in full to LISC at construction closing. If the project does not proceed for reasons that LISC considers legitimate, the action becomes a grant and repayment is no longer required.
Chicago	LISC- Strategic Grants	STRATEGIC GRANTS-cover costs associated with the creation of new programs that are important to an organization's overall mission and needs of the community's residents.
Illinois	LPCI- Endangered Buildings Grants	The Landmarks Preservation Council of Illinois Endangered Building Grants were established in 1984 to provide matching grants to not-for-profit organizations to assist in the preservation of historic buildings threatened with demolition or harmful neglect.
Lake County	Lake County- Homeowner Rehabilitation Program	The Homeowner Rehabilitation Program offers three different types of loans: amortizing loan, which from January-June 30, 2002, offers an interest of 5.20% fixed for 15 years, the lowest ever offered with our program. This interest rate is exclusively offered with our rehab program and cannot be found in any home equity loan. The program also offers deferred loans with 0 interest, and forgivable loans after 5 years. Improvements can be anywhere from the roof to the foundation and anything else in betweenlk: leaking windows &walls, bathrooms, electrical updates, drive ways, install new furnaces, and possibly room addition to a home...
Illinois	Low Income Housing Tax Credits	Created under the Tax Reform Act of 1986, the low-income housing tax credit has become the chief mechanism to make the creation of low-income rental housing financially feasible. Low Income Housing Tax Credits are also known as LIHTC's, Federal Credits, and 9% Housing Credit investors get a 10-year federal income tax benefit in exchange for immediate cash infusions for new construction and restoration projects. Usually used in conjunction with developer equity, bank loans and other funding sources, the Housing Credit has leveraged $7.2 billion in investments nationwide each year to produce 75,000 reasonably priced apartments for low-income families and&
Illinois	Low-Income Heating Energy Assistance Program (LIHEAP)	The Low Income Home Energy Assistance Program (LIHEAP) is designed to assist eligible low-income households pay for winter energy services. LIHEAP will provide a one-time benefit to eligible households to be used for energy bills. The amount of payment is determined by income, household size, fuel type, and geographic location.
USA	Mercy Housing Loan Fund	Mercy Loan Fund (MLF), a subsidiary of Mercy Housing, provides financing to not-for-profit developers of affordable housing. Since its inception in 1983, MLF has provided more than $102 million in loans. These loans have leveraged another $963 million in affordable housing financing.
Illinois	Mortgage Awareness Program	Mortgage Awareness Program (MAP) to help consumers protect themselves from predatory lenders. Credit Counselor listing is provided by a link to the Illinois Department of Financial Institutions website. For questions regarding this list, please contact te Department of Financial Institutions at 9 or 5 or email them at
Mount Prospect	Mount Prospect Housing Services	Various Mt. Prospect
Chicago	NHS: Housing Emergency Loan Program	NHS provides foreclosure intervention services and counseling for families who are experiencing temporary financial difficulties and are at risk of losing their home to foreclosure. NHS staff work with homeowners and lenders to assist in keeping the home out of foreclosure. Low-interest, deferred, and - or forgivable loans may be provided and are available only for properties within the City of Chicago.
Chicago	NHS: Chicago Home Safety Partnership	Through our partnerships with insurance companies, the City of Chicago Department of Housing and the Chicago Fire Department, NHS offers free Home Safety Evaluations for Chicago homeowners who want to improve the fire safety in their homes. NHS offers low interest loans for home improvements that will correct fire and safety hazards
Chicago	NHS: Foreclosure Intervention	NHS provides foreclosure intervention services and counseling for families who are experiencing temporary financial difficulties and are at risk of losing their home to foreclosure. NHS staff work with homeowners and lenders to assist in keeping the home out of foreclosure. Low-interest, deferred, and - or forgivable loans may be provided and are available only for properties within the City of Chicago. Loan amounts are limited and income and other restrictions may apply.
Chicago	NHS: Gap Loans	NHS offers First–time Homebuyers a loan that combines with their down payment and is used for the purchase and - or rehabilitation of an eligible home. Gap loans are second mortgages at the same rate as the primary NHS mortgage.
Chicago	NHS: Home Repair Program	NHS offers home improvement loans for large or small needs, ranging from general home improvements (e.g. new kitchen, roof, siding, central air-conditioning, etc.) to home safety improvements such as correcting dangerous electrical problems or hazardous heating systems. NHS also offers loans for substantial rehabilitation of 1- to 4-unit buildings.
Chicago	NHS: Mortgage and Purchase/Rehab loan program	· A 30-year fixed-rate first mortgage for 80% of the total project cost (purchase price plus rehab, closing and soft costs). · Customers using the NHS first mortgage loan can qualify for NHS’ Gap Financing (below) and do not have to purchase Private Mortgage Insurance. · Special consideration is given to the rental income for a two- to four-unit building. · Minimal down payment requirements: from 1 to 5% of either the purchase price (if there is no rehabilitation required) or the total project cost. · Licensed, insured contractors must perform all rehabilitation work,and an NHS construction specialist will monitor the construction process.
Chicago	NHS: Refinance Loan	NHS offers homeowners a resource to refinance high-cost, improvident or predatory loans. Loans are available to owner-occupants of one- to four-unit residential properties in low- to moderate-income neighborhoods in the City of Chicago. NHS also offers credit and budget counseling for refinancing borrowers that includes such topics as budget management, debt consolidation and foreclosure prevention.
Chicago	NHS: Refinance/Rehab Loan	With a refinance - rehab loan from NHS, homeowners in Chicago can refinance an existing mortgage and obtain funds for home improvements at the same time. Licensed, insured contractors must perform all home improvement work, and an NHS construction specialist will monitor the construction process.
Oak Park	Oak Park: Diversity Assurance Program	Diversity Assurance Program: Multi-family property owners (4 or more units) can take advantage of two added financial incentives in the Diversity Assurance Program. This program offers a matching grant up to $2,000 per unit rehab costs for buildings new to the program, and a reduced 6.75% interest loan for rehab. 'Major mechanicals' repair - replacement can be funded up to $50,000 per owner at 6.75% interest loans.
Oak Park	Oak Park: Homebuyer assistance	Four programs for first time buyers are offered through the Village's tax exempt bonding authority and available through participating lending institutions. The Illinois Housing Development Authority (IHDA) administers three programs, and a private firm ministers the fourth. Funds usually become available for these programs in April or May, and are offered on a first-come, first-served basis. Homes purchased must fall within prescribed purchase price limits, and the purchasing household's income must fall within a prescribed maximum.
Oak Park	Oak Park: Security Improvement Grants	The Security Improvement Grant program encourages security enhancements in multi-family buildings of two or more units. Improvements such as intercom systems, window and door locks, lighting, fencing, emergency lighting and alarms may be available after survey and report by the Resident Beat Officer in the area where the building is located. The matching grants are available in two forms: 80 - 20 - owner pays 80%, Village pays 20%, up to a maximum $200 per unit or $8000 per building; 60 - 40 - owner pas60%, Village pays 40%, up to a maximum $16,000 per building.
Oak Park	Oak Park: Single Family Rehabilitation Loans Available	Oak Parkers with qualifying incomes who own and live in single family houses or buildings with two to four units are eligible for federally funded rehabilitation home loans. Designed to improve the Village's housing stock, the loans are intended to bring structures into compliance with housing and building codes and to eliminate health and safety hazards, including lead reduction. Funds also may be used for weatherization and to provide accessibility for the disabled. Eligibility for the loans is determined by income limits set for the Chicago area by HUD.
Illinois	Project Ground Floor	A collaboration between the Illinois Department of Human Services (DHS) and the Illinois Housing Development Authority (IHDA) to implement Project Ground Floor, a program that assists persons with developmental disabilities in buying homes.
Chicago Region	Regional Employer-Assisted Collaboration for Housing (REACH)	Employer-assisted housing programs are a great way to help workers find and finance housing closer to work. By working with the Regional Employer-Assisted Collaboration for Housing (REACH), a network of nonprofit housing experts around the six-county region, a company does not have to administer its program in-house. REACH Partners work directly with homebuyers, providing credit counseling and other assistance through the home buying process, to save the employer the administrative costs.
Illinois	Rental Help: Locate HUD subsidized apartments	Locate HUD subsidized housing and housing counseling agencies in your area.
Illinois	Rental Help: Locate IHDA Rental apartments	If you need help finding an affordable apartment in your community, IHDA does have resources you can access. We serve as a clearing house of resources for housing in Illinois.
Illinois	Revolving Loan Fund (RLF)	Over the past 19 years, DCEO has awarded approximately $140 million in Community Development Assistance Program(CDAP) Economic Development grants to more than 180 local units of government throughout the state to help them provide low interest loans to businesses locating or expanding within their boundaries. As loans are repaid, the communities place the moneys in locally-administered Revolving Loan Funds (RLFs) that can be used to fund future economic development opportunities within each community. An estimated $100 million of those funds are already back in circulation, helping more than 2,400 businesses obtain the capital they need to expand operations
Schaumburg	Schaumburg: First Time Homebuyers Program	Through the Home Equity Loan Program (HELP) and Assist Program, first time homebuyers can receive a gift of 4.25% of the home's purchase price to be used toward their down payment and the mortgage origination fees that are commonly associated with closing costs.
Schaumburg	Schaumburg: Residential Rehabilitation Program	The village provides a deferred (0%) loan for approved rehabilitation work to qualified homeowners. Homeowners must meet income guidelines and have at least 15% clear equity on the property. The maximum income limit for a family of four is $54,400. The income limit is determined according to the adjusted gross income as defined for purposes of reporting under IRS Form 1040 series and current income. The clear equity in your home is the appraised value of the home minus the mortgage balance and all other recorded liens. Eligible rehabilitation activities include structural repairs, plumbing, heating, electrical, weatherization, and other necessary...
Schaumburg	Schaumburg: Historic Landmark Restoration Grant Program	Village program to provide assistance to landmark owners for exterior restoration work on historic landmark properties in Olde Schaumburg.
Schaumburg	Schaumburg: Services and Assistance for Low Income Residents	Various programs see URL (below)
Cook County	Senior Citizen Assessment Freeze Exemption	Qualified senior citizens can apply for a freeze of the assessed value of their property. Over time, in many areas, this program results in taxes changing minimally and often decreasing as surrounding properties continue to rise in assessed value. This is the most valuable homeowner exemption program. The value increases over the years as it eliminates the impact of regular re-assessment increases that may occur every three years.
South Suburbs	South Suburban Tax Reactivation Program	This project was created to acquire tax delinquent vacant and abandoned industrial, commercial properties and vacant land which could be used for industrial or commercial purposes, and return them to the tax rolls by making them marketable sites for development.
Illinois	The Certified Local Government Program	The Certified Local Government Program, which was established by the National Historic Preservation Act Amendments of 1980, gives municipalities and counties the opportunity to participate as partners in state and federal preservation activities. Municiplities and counties that have local historic preservation programs may participate after they have been 'certified.'
Illinois	The Emergency Shelter Grant Program (ESGP)	The Emergency Shelter Grant Program (ESGP) is designed to help improve the quality of existing emergency shelters for the homeless, to help make available additional emergency shelters, to help meet the cost of operating emergency shelters and to providecertain essential social services to homeless individuals in order to provide access to not only safe and sanitary shelter, but also to the supportive services and other kinds of assistance needed to improve their situations. The program is also intended to restrict the increase of homelessness through the funding of preventive programs and activities.
Arlington Heights	Village of Arlington Heights- Shared Housing Program	The Resource Center for the Elderly matches homeowners with low-income home seekers who are in need of affordable housing. Through this program, homeowners are given the opportunity to generate income and remain independent in their homes while providing decent, safe, affordable housing to low-income home seekers.
Arlington Heights	Village of Arlington Heights- Single-Family Rehabilitation L	0% interest rehabilitation loans for low to moderate income homeowners. Financing is provided for basic repairs and maintenance such as roof replacement, driveway paving, plumbing, electric, etc. Modifications to make homes safer and more accessible for senior and disabled residents are also eligible. There are no monthly payments. Loans are repaid in full when the home is eventually sold.
Arlington Heights	Village of Arlington Heights-Multi-Family Rehab Program	Low interest loans or grants for building improvements are provided to rental property owners who lease a minimum of 51% of the units in a building to low and moderate income tenants at affordable rents.
Waukegan	Waukegan: Homeowner Assistance	The City of Waukegan Community Development Block Grant (CDBG) office has funding available to assist income eligible Waukegan resident with rehabilitation to their homes. The program available includes both emergency repairs and substantial rehabilitation Emergency assistance is provided for residences having problems with their homes that relate to Health and Safety issues. Included in this category are items such as leaking roofs, inoperative or dangerous furnace, waste (sewer) lines that are collapse or don't drain, dangerous electric installations, and water supply lines that no longer provide water to in-house fixtures. Emergencies are addressed immediate
Waukegan	Waukegan: Rehab Program	The Waukegan Rehab Program has been in operation for about 25years. Assistance is available to all Low Income Waukegan residents. Applicant must reside in the home where assistance is requested for at least one year.
Will County	Will County ADVANCE- Transitional Housing Programs	The ADVANCE Transitional Housing Program was established as a response to a growing number of Will County residents who have successfully completed a homeless shelter program but still need support as they adjust to permanent housing and move toward their permanent self-sufficiency goals.
Will County	Will County FirstHome Program	FirstHome is a first-time homebuyer program for economically challenged households in Will County who have maximized their household working hours but remain unable to purchase a home. FirstHome is designed to help close the gap between income and houing affordability in Will County for full-time working households who are projected to be at or under 70% of the area median income for the upcoming 12 months.
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