Homeowners Assistance Program

Because of the COVID-19 pandemic, there is a Cook County moratorium on final judgments and executions of judgments in mortgage foreclosure proceedings.

If you need advice regarding foreclosure proceedings, please complete the form at Illinois Legal Aid Online or contact the Chicago Legal Clinic at (312) 726-2938 and leave a message.

Recent legislation at the federal level includes guarantees that Fannie Mae, Freddie Mac, and the Federal Housing Administration (FHA) will suspend all foreclosures and evictions for mortgages they back.

On March 18, 2020, the U.S. Department of Housing and Urban Development (HUD) issued a 60-day foreclosure and eviction moratorium for single-family homeowners with FHA-insured mortgages.

Fannie Mae and Freddie Mac mortgages are included in this moratorium.

There will be no new foreclosures filed during this time. Currently filed foreclosures will be suspended and no foreclosure sales and/or evictions based on foreclosure sales will take place through May 17, 2020.

Impacted borrowers who have a loan backed by Fannie Mae or Freddie Mac can request a forbearance.

This forbearance can be up to 6 months and then can be reevaluated for another 6 months. If a forbearance is requested, the money will be due at the end of the forbearance unless another agreement is reached.

All impacted borrowers who have received a forbearance must be evaluated for a modification prior to the end of the forbearance period.

Both Fannie Mae and Freddie Mac have updated their Extend Modification for Disaster Relief programs to include borrowers who have been impacted by COVID-19.

Both companies will offer relief to multifamily property owners if they agree to suspend evictions for renters who have been impacted by COVID-19.

The following websites can help you determine if you have a mortgage backed by Fannie Mae or Freddie Mac:



Please note, the information provided on these pages does not, and is not intended to, constitute legal advice. The information here is for general informational purposes only.