Then, start your FREE application at www.illinoishardesthit.org and follow their instructions. Please be mindful that it’s a detailed application, which could take up to an hour to complete. DON’T FORGET TO CHOOSE CSC AS YOUR AGENCY! Choose CSC – Northern Will or CSC Joliet (Spanish Center).
If you are one of the millions of homeowners struggling to make ends meet the Community Service Council of Northern Will County offers homeowners just the solution, Illinois’ Hardest Hit Fund. Since 2011, the U.S. Treasury Department has approved more than $71 million in funding to help families just like yours get back on their feet. You may qualify if you’ve experienced a life-changing hardship.
What is a qualifying hardship event?
Applicants must have experienced a reduction in income due to a qualifying hardship event that was through no fault of their own. Hardship must have occurred after January 1st, 2015 and after property purchase date.
The Illinois Hardest Hit Program offers three types of assistance up to $35,000 or 12 months whichever comes first.
*HHF assistance is provided as a 5-year forgivable loan. All borrowers approved for the program will execute loan documents. Funds may have to be repaid if you sell your home at a profit or refinance during the 5-year loan term.
Divorced mom and long-time Will County resident Loretta J. suddenly experienced a considerable income reduction in 2015. “My lender kept telling me they were working on a solution and that my missed payments would just be tacked onto the end of the life of my loan. Meanwhile, I’m feeling like I’m circling the drain, losing hope, depressed and thinking about how much I let my family down.” She happened upon the HHF through a credit counselor and applied. Not only were her past due payments covered, but the HHF paid her mortgage for almost a year! Meanwhile, she breathed a sigh of relief – and her self-esteem, no longer destroyed, found a new job.
Think you can qualify.
Contact one of our housing specialists today at (815) 886-5000.
Housing and financial issues are critical to the wellbeing of a family, yet they seem to get more and more complicated as the stress builds. Our HUD certified counselors are here to help you save your home. Most services are provided to our clients at no charge. Often, we encounter clients who previously hired for-profit services, only to then find out that these services couldn’t help them – wasting financial resources that could have have been put towards other necessities for their family. The Illinois Hardest Hit Fund is not a scam.
Our counselors are experts when it comes to the guidelines and are here to help you through the entire process. If you’re found ineligible for the program, our housing experts may be able to help you apply for other home retention options.
CSC also collaborates with other United Way agencies and social service organizations to ensure that clients are receiving all the help that’s available. Further, by offering clients resources in a variety of areas (securing employment, obtaining food, receiving utility assistance) they’re often able to afford their housing again.
“Christina Sanchez [Director of Housing & Financial Counseling] has incredible expertise (and success) with the Illinois Hardest Hit Fund and brings over 10 years of industry experience to our agency. She tirelessly shares her wisdom with clients, attorneys, lenders and mediator. CSC has an impressive reputation at the Will County Courthouse; we’re proud of our team of housing counselors – making a difference in the lives of our neighbors.”
– Carol Penning, CSC Board President and Village Clerk for the Village of Bolingbrook