Illinois Foreclosure Process: 7 Steps | Chicago Lawyer
Free help exists in every county this guide covers.
See Where to Get Free HelpPicture this: you worked hard to secure a loan to buy a property in Chicago. Life throws a curveball and suddenly you're unable to keep up with mortgage payments. The word you're dreading is foreclosure. It's the legal proceeding where a lender tries to reclaim the money you borrowed by selling the property you bought with the loan.
The numbers are real. According to ATTOM's Year-End 2025 U.S. Foreclosure Market Report, foreclosure filings were reported on 367,460 properties nationwide in 2025, up 14 percent from 2024. Illinois ranked among the worst states in the country all year, appearing in the top five for foreclosure rates in every major reporting period. Chicago consistently ranked among the worst metro areas for completed foreclosures.
For Illinois homeowners, that trend is not academic. It means more families here are facing this process right now than at any point since before the pandemic.
In Illinois, most foreclosures are judicial, meaning they go through the court system. I'll walk you through the process step by step.
Justin Abdilla, an Illinois real estate attorney, wrote this guide. It gives general information, not legal advice. For help with your own case, see Where to Get Free Help.
Table of Contents
- Mortgage Foreclosure Timeline
- Step 1: Missed a Payment? Ask About a Loan Modification
- Step 2: The Grace Period Notice
- Step 3: Plan Your Exit Strategy
- Step 4: Receiving the Foreclosure Summons
- Step 5: Court Mediation, Where Your County Offers It
- Step 6: Responding in Court
- Step 7: Reinstatement, the Last Chance
- Where to Get Free Help
- Resources
Mortgage Foreclosure Timeline
The timeline below shows the Illinois judicial foreclosure process on one track and the steps you can take as a homeowner on the other. Both happen at the same time.
The PreForeclosure Period
The lender will send a notice of missed payments or a notice of default. Your lender will usually send a notice of missed payments or default, and most lenders still allow about 30 days to catch up. Do not treat that window as a legal bar on foreclosure: the statute that required a Grace Period Notice, 735 ILCS 5/15-1502.5, was repealed effective July 1, 2016, so the timeline is a lender courtesy, not a right. Use this time to call a HUD-approved housing counselor.
Complaint is Filed
Federal law sets the first limit (12 C.F.R. § 1024.41). A servicer generally cannot start a foreclosure until you are more than 120 days behind. After that, the lender files a complaint with the court. A sheriff or special process server then serves you the summons. You must file an appearance and answer within 30 days of service. Lake County's mediation rule can change that deadline (see Step 5). If you do not respond in time, the court may enter a default judgment against you.
Try for a Short Sale or Deed in Lieu
At any point before judgment, you can ask the lender for a settlement, a short sale, or a deed in lieu. A housing counselor or legal aid lawyer can help you ask. Step 3 explains each option.
Serious Litigation Begins
Both parties can exchange documents and information. Errors in the bank's case or the payment history matter most at this stage. Raise them in your answer or in a motion. The lender may move for summary judgment if it believes the facts are not genuinely in dispute. If the court grants it, the court orders a foreclosure sale without a trial.
Statutory Redemption Period
Illinois law gives borrowers a redemption period that, on residential property, ends on the later of 7 months from the date you were served or 3 months from entry of the judgment of foreclosure. It shortens to 60 days after judgment if the mortgagee waives any deficiency, and to 30 days if the court finds the property abandoned. During the redemption period you can pay the full redemption amount or sell the property.
Sheriff Sale (735 ILCS 5/15-1507), then Confirmation (15-1508)
If the redemption period expires, the property goes to public auction. The court confirms the sale if it was conducted fairly. The new owner receives a certificate of sale and your ownership rights end. You do not have to be out that day. Under 735 ILCS 5/15-1508(g) the order confirming the sale awards possession to the purchaser as of the date 30 days after the order is entered, and 15-1508(b-5) requires the notice you receive to say so in 12-point boldface capitals. Use those 30 days to move on your own terms rather than the sheriff's. If the sale proceeds don't cover the full debt, the lender can pursue a deficiency judgment for the balance, but only if you were personally served in the foreclosure action or voluntarily entered an appearance in the case.
One change worth knowing: effective January 1, 2025, under 735 ILCS 5/15-1507, Illinois judicial foreclosure sales may now be conducted in person, online, or in a hybrid format. Cook County homeowners can monitor or participate in auctions remotely if the court has approved online bidding procedures for that sale.
Notices, Mediation, and Your First Deadline
The lender's deadlines and yours run at the same time. This table lists each step in order. Each row names who acts and the form or contact for that step.
| When | What happens and who acts | Official form or contact |
|---|---|---|
| Day 36 of a missed payment | Your servicer must try to reach you by phone or in person. It must then tell you about loss mitigation options, where they apply (12 C.F.R. § 1024.39(a)). | HUD counselor: (800) 569-4287 or hud.gov/findacounselor |
| Day 45 | Your servicer must send you a written notice. It lists the servicer's contact and the HUD counselor phone number (12 C.F.R. § 1024.39(b)). | Same HUD contacts |
| Any time before filing | Some lenders send a "grace period notice." Illinois repealed the law that required it on July 1, 2016 (735 ILCS 5/15-1502.5). The letter starts no legal clock. | Illinois Attorney General Homeowner Helpline: 866-544-7151 |
| Day 121 or later | Your servicer generally must wait until you are more than 120 days behind (12 C.F.R. § 1024.41(f)). | HUD counselor |
| Day the summons is served | The lender files a complaint. A sheriff or process server serves you the summons. The lender must attach a notice titled "Important Information for Homeowners in Foreclosure" (735 ILCS 5/15-1504.5). | Read the notice. It names your servicer. |
| Same day: county notices | Will County: the summons sets a mandatory mediation date. Lake County: mediation notices come with the summons. Cook County: the summons sets a case management date. | County table in Step 5 |
| Within 42 days of service (Lake only) | You call the program to join mediation and book a housing counselor (19th Cir. LCR 7-2.05). | (847) 377-3552 |
| By day 60 after filing (Will only) | You attend the pre-mediation meeting in person or on Zoom. If you miss it, your mediation ends (12th Cir. Local Rule 17.06). | Will County Circuit Clerk: (815) 727-8592 |
| Before you ask for mediation (Cook only) | You meet a free HUD-certified counselor. You file your appearance and answer. Then you file a written motion for mediation (Cook Cir. Ct. R. 21.14). | Cook helpline: (855) 452-2637 |
| 30 days after service | You file an appearance and answer, or another response. If you miss it, the court can enter a default. | Mortgage Foreclosure Appearance & Answer; fee waiver form |
| Lake only: 30 days after mediation ends | If mediation ends with no agreement, the stay lifts. You then have 30 days to answer (19th Cir. LCR 7-2.10). | Mortgage Foreclosure Appearance & Answer |
| 90 days after service | Your right to reinstate the loan ends (735 ILCS 5/15-1602). Ask your servicer in writing for a payoff statement. Your first one is free (735 ILCS 5/15-1504.5). | Your servicer, named in the homeowner notice |
Missed a Payment? Ask About a Loan Modification
One missed payment does not start foreclosure. After that first miss, the bank flags your loan for pre-foreclosure and gathers paperwork. If your loan servicer recently changed and you're paying someone different, that may be the source of the confusion. Either way, call your servicer and a HUD-approved housing counselor now. Problems grow with each missed payment.
A second missed payment is more serious. At this stage, contact a HUD-approved housing counselor. Counseling is free. The counselor reviews your budget and your options with you.
2025/2026 Loan Modification Guidelines
HAMP and HAFA are long gone. The current standard for Fannie Mae and Freddie Mac loans is the Freddie Mac Flex Modification, which received enhanced guidelines through Bulletin 2024-E and additional servicer updates in early 2026.
The Flex Modification can extend your loan term to 40 years and reduce your principal and interest payment by up to 20 percent. Servicers are required to evaluate borrowers who are 90 to 105 days behind and send eligible homeowners a trial plan offer without waiting for you to apply. The trial period runs three to four months. If you complete it, the modification becomes permanent.
Flex Modifications are not automatically approved. The servicer must conclude that full reinstatement, a repayment plan, or payment deferral is not feasible first. A HUD-approved housing counselor can help you prepare this application for free.
Understanding Foreclosure Assistance: HUD, FHA, and Veteran Programs
The Department of Housing and Urban Development offers free housing counseling services through approved agencies in Illinois. If you're struggling with missed payments, defaults, or credit problems, a HUD counselor can help. Find one at hud.gov/findacounselor or call HUD at (800) 569-4287.
If your mortgage is FHA-insured, you may qualify for an FHA-specific loan modification designed to reduce your monthly payment and avoid foreclosure.
Support for Veterans Facing Foreclosure
If your loan is through the Department of Veterans Affairs, you may qualify for foreclosure prevention assistance. The VA provides financial counseling and works with your lender on modifications, repayment plans, or short sales.
Housing counselors and legal aid are free.
Find a HUD-Approved CounselorThe Grace Period Notice: A Courtesy Letter, Not a Legal Step
Many Illinois foreclosures still open with a letter that looks like a Grace Period Notice (GPN), telling you the account is in arrears and offering 30 days to seek housing counseling. The statute that required it, 735 ILCS 5/15-1502.5, was repealed effective July 1, 2016. Lenders send it out of habit and because servicing agreements often still call for it. Read it as a warning shot, not a legal step. Receiving one starts no clock, and never receiving one does not mean the lender has to wait.
The original notice language read something like this: "Your loan is overdue by more than 30 days. You might be struggling financially. It could be beneficial to seek approved housing counseling. A grace period of 30 days from the date of this notice has been granted to secure approved housing counseling. During this grace period, we are legally barred from initiating any legal action against you."
Former law, 735 Illinois Compiled Statutes 5/15-1502.5Got a Grace Period Letter? Act Now
This letter tells you the bank is preparing to foreclose. Gather your mortgage statements, pay stubs, and tax returns. Then call a HUD-approved housing counselor. Homeowners who act early have more options.
After the GPN Comes the Notice of Intent to Accelerate
The Notice of Intent to Accelerate (NIA) means the bank has added you to the foreclosure queue and is calling in the entire loan balance as due right now. They want the full mortgage paid off within 30 days or you face foreclosure. When this notice arrives, call a HUD-approved housing counselor. You can also ask your servicer in writing for your loan records and payment history. Illinois foreclosure law also provides a reinstatement option, covered in Step 7.
Planning Your Foreclosure Exit Strategy
From the first missed payment to a confirmed sheriff sale, most Illinois foreclosures run 12 to 18 months. That is enough time to execute a thoughtful exit, but the deadlines inside it are much shorter: 30 days from service to appear, 90 days from service to reinstate, and a redemption period that ends on the later of 7 months from service or 3 months from judgment. The strategies available to you include deed-in-lieu, consent foreclosure, short sales, reinstatements, loan modifications, accepting the proceedings, or selling in foreclosure. Keep every option open as long as you can. The best one depends on your equity, your income, and your deadlines.
Reinstatements: Getting Back on Track
Contact your lender as soon as you know foreclosure is coming. Their phone number is on the bottom left corner of the last page of the foreclosure complaint. Ask for a reinstatement figure. They'll tell you the exact amount needed to bring the loan current, including back principal, interest, fees, and foreclosure costs. Once you pay and receive written confirmation, keep making payments on time.
Deed-in-Lieu of Foreclosure
A deed in lieu is often the simplest path. The homeowner signs the deed over to the bank, and the foreclosure ends. Under 735 ILCS 5/15-1401, an accepted deed in lieu ends your personal liability on the loan. The exception is a separate paper, signed at the same time, in which you agree to stay liable.
Read every page the bank asks you to sign. Legal aid may review the papers for free if you qualify.
Consent Foreclosure: A Quick End to the Case
Consent foreclosure is similar to a deed-in-lieu but the homeowner permits the sheriff to sell the house instead of transferring the deed directly. This is a shortcut to the end of the case. Like a deed-in-lieu, the bank cannot sue the homeowner for any deficiency if the home's value is underwater. This choice usually makes sense only when it prevents something worse, such as a bankruptcy.
Short Sale
Short sales remain the single best opportunity to protect your credit while exiting foreclosure. If you have any equity in the home, a short sale is very achievable. Three things are required. First, you must send a letter of hardship to the lender explaining why you can't continue paying. Second, you list the property with a real estate agent. Third, the bank approves the sales price, commissions, and any cash returned to you at closing.
After the sale closes, the court dismisses the foreclosure case. The typical credit score impact from a short sale is around 100 points. That is much less damage than a completed foreclosure. For that reason, many homeowners choose a short sale to rebuild credit faster.
Find an Investor to Buy Your House
If you want to sell quickly to an investor, start by researching local real estate investment companies, wholesalers, and cash buyers in your area. Price it correctly. Do not use free online tools. Hire a professional for a proper valuation.
Be upfront about the foreclosure when you list. Investors expect this and plan for it. Be ready to close fast. Investors often have specific requirements on terms, including assumption of liens, creative financing structures, or cash payment structures. Working with a real estate attorney through this transaction protects you from agreements that leave you worse off.
Chapter 13 Bankruptcy as a Foreclosure Defense Tool
Filing Chapter 13 bankruptcy immediately triggers what's called an "automatic stay," which halts all foreclosure proceedings. The sale date stops. The case stops. You then have the chance to propose a repayment plan, approved by the bankruptcy court, to catch up on mortgage arrears over three to five years while keeping the home.
Chapter 13 is not the right answer for everyone. It requires steady income, a willingness to commit to a multi-year payment plan, and an understanding of how it affects your other debts and credit. But for homeowners who are close to the redemption deadline or facing an imminent sale date, it can be the most powerful tool available. Talk to a bankruptcy attorney or legal aid before you file.
When Court Becomes the Strategy
If no settlement is reachable, the fight moves to the courtroom. Options still remain. In court, a homeowner can challenge the procedure, the payment history, or the bank's right to enforce the note. This approach typically functions as pressure to force a better settlement rather than a path to outright dismissal.
Be careful with long court fights. Read the fee clause in your mortgage. It may let the lender add its legal fees to your debt. A fight with no clear goal can make your balance grow.
Receiving the Foreclosure Summons
When the bank files a Mortgage Foreclosure Complaint, a sheriff or special process server delivers a summons and a copy of the complaint. If someone just handed you a 35-page document at your door, this is exactly where to start reading.
The summons requires everyone who signed the loan and lives in the home to respond. Other lienholders and "Unknown Owners and Non-Record Claimants" are also named. In Illinois, you have 30 days from receipt to appear, answer, or otherwise plead. Some counties add a mediation notice to the summons. Will County sets a mediation date. Lake County explains how to join its program. Kane and DuPage counties have no program.
The lender must also attach a homeowner notice to your summons. Its title is "Important Information for Homeowners in Foreclosure." It comes in English and Spanish. It names your servicer and lists your rights (735 ILCS 5/15-1504.5). One right is a free first payoff statement within 10 business days of a written request.
Do Not Ignore This Summons
The summons triggers severe legal action. It can cost you significant credit score points and thousands of dollars. Neither a housing counselor nor a forensic foreclosure auditor can appear in court in Illinois without a law license. You may legally file your own appearance and answer as an individual, but the 30-day deadline is unforgiving and a mistake in that first filing can cost you defenses permanently. If you have not retained counsel by day 25, file an appearance yourself to protect the deadline. For free help before your deadline, see Where to Get Free Help.
Every Illinois court must accept the statewide foreclosure forms. Use the Mortgage Foreclosure Appearance & Answer to respond. Cannot pay the filing fee? File the Application for Waiver of Court Fees. Illinois Legal Aid Online fills in the forms with you for free.
Court Mediation, Where Your County Offers It
Mediation is a private meeting between you, the lender, and a neutral mediator. The mediator helps both sides talk. The mediator cannot force an agreement. Possible results include a loan modification, a short sale, a deed in lieu, or a consent foreclosure. Only some Illinois counties run a foreclosure program.
Each program starts with your finances. Meet a HUD-approved housing counselor first. Cook County requires that meeting before mediation. Bring tax returns, pay stubs, and monthly bills. The lender uses them to decide what you can pay.
County Foreclosure Mediation Programs (checked October 2026)
| County | Program today | Contact |
|---|---|---|
| Cook | Free. You opt in by written motion. | Helpline (855) 452-2637 |
| Kane | None. Closed in 2023. | Neighbor Project (630) 906-9400 |
| Will | Free. Mandatory date on summons. | Circuit Clerk (815) 727-8592 |
| Lake | Free. Call within 42 days. | Program (847) 377-3552 |
| DuPage | None. Counseling only. | H.O.M.E. DuPage (630) 260-2500 |
Cook. The Circuit Court of Cook County runs the Mortgage Foreclosure Mediation Program. It covers owner-occupied homes of one to four units. First, call the helpline for a free housing counselor. Next, file your appearance and answer. Then ask the judge for mediation in a written motion. The court can appoint a free mediator. Not in foreclosure yet? Call Cook County Legal Aid for Housing and Debt at (855) 956-5763. Sources: Chancery Division Mediation; Cook Cir. Ct. R. 21.14.
Kane. Kane County closed its foreclosure mediation program in 2023. The court took no new cases after April 17, 2023. The program ended June 30, 2023. Nothing replaced it. A HUD-approved counselor can still help you. Prairie State Legal Services gives free legal help to homeowners who qualify at (630) 690-2130. Source: 16th Circuit General Order 23-09.
Will. Will County requires mediation in residential foreclosures. Your summons gives the date of a pre-mediation meeting. You can attend in Room 440 at 100 W. Jefferson Street, Joliet, or on Zoom. If you do not attend, the court ends your mediation. Your answer is still due within 30 days of service, as your summons says. For free counseling, call the Will County Center for Community Concerns at (815) 722-0722. Source: Will County summons and Notice of Mandatory Mediation.
Lake. Lake County pauses each residential foreclosure for 42 days after service. Call the program within those 42 days to join. A HUD-certified counselor helps you build your file. If mediation ends with no deal, you have 30 days to answer. Housing counseling: Community Partners for Affordable Housing, (847) 263-7478. Sources: 19th Circuit program page; LCR 7-2.00.
DuPage. DuPage County has no foreclosure mediation program. The court refers homeowners to counseling and legal aid. H.O.M.E. DuPage is a HUD-certified agency. Source: DuPage Courts Foreclosure Assistance.
What Happens if Mediation Succeeds
A successful mediation ends in a written agreement. It might be a loan modification, a trial payment plan, short sale approval, or a consent foreclosure. Read every term before you sign. The written agreement controls what happens next. Legal aid may review it for free if you qualify.
What Happens if Mediation Fails
If mediation fails, the case goes back to the judge. Your answer deadline depends on the county. In Lake County, you get 30 days after mediation ends. In Cook County, your answer is already on file before mediation starts. In Will County, answer within 30 days of service, as your summons says.
Responding in Court
Filing an Appearance and a pleading is your obligation to the court. You can file an Answer that goes through the complaint line by line, admitting or denying each allegation. Alternatively, you can file a motion to dismiss if the complaint is defective. Filing these incorrectly can cost you many of your rights.
Motions to Dismiss in Illinois Foreclosure Cases
Before the first court date, check the complaint for defects. Look at how you were served and at the face of the document. These are "use it or lose it" motions. If you don't raise them immediately, you forfeit them. They are called 2-615 motions and are purely procedural.
Factual motions also exist, such as "this is the wrong bank" or "this loan was discharged in bankruptcy." These 2-619 motions require evidence to support them. Some motions must be filed early, or you lose the right to raise them.
Defending a Foreclosure Summary Judgment
The lender often moves for summary judgment. Before that hearing, check the payment history and the interest math. Ask the lender for the signed loan documents. Ask who can approve a settlement. If a sale date nears during a hardship, you can ask the court to delay it. The statewide Motion to Stay Foreclosure Sale form is free.
Reinstatement: The Last Chance to Halt the Foreclosure
If everything else fails, one guaranteed option remains. In Illinois, you have a right to reinstate your loan by curing the default within 90 days of the date you were served with the summons, or otherwise submitted to the court's jurisdiction. The clock runs from service, not from the date the complaint was filed, so two homeowners named in the same case can have different deadlines (735 ILCS 5/15-1602). Reinstatement means paying off everything you owe: back principal, interest, escrow, and attorney fees for both sides.
This typically costs $10,000 or more, depending on how long the loan has been in default. It is the only guaranteed path out of the courtroom.
Anyone else who holds a lien on the property, such as an HOA or a second mortgage lender, may also need to get paid as part of reinstatement. Ask each lienholder for its payoff in writing. A paid assessment letter from the association is a common requirement.
Conclusion
Foreclosure is hard, but you have choices at every stage. Some choices keep the home. Others limit the damage to your credit and your savings. Free help exists in every county this guide covers. Start with a HUD-approved housing counselor. Then call legal aid before your 30-day deadline.
Illinois foreclosure rates in 2025 were among the highest in the country. If you're in this situation right now, you are not alone. Free help is listed below.
Justin Abdilla
Justin Abdilla is an Illinois real estate attorney. This guide is general information, not legal advice.
Where to Get Free Help
Free help exists at every stage. Start with a housing counselor. Call legal aid before your 30-day deadline. Never pay anyone up front to save your home.
Housing Counseling
- HUD-approved housing counselors are free. Find one at hud.gov/findacounselor or call (800) 569-4287.
- The Illinois Housing Development Authority explains counseling and scam warnings on its Saving My Home page. IHDA does not pay homeowners directly.
State Help Lines
- Illinois Attorney General Homeowner Helpline: 866-544-7151. The Attorney General also publishes homeowner fact sheets in English and Spanish.
- The Attorney General's mortgage rescue fraud fact sheet explains the warning signs of a scam.
Free Legal Help and Court Forms
- Illinois Legal Aid Online explains foreclosure and fills in the court forms with you for free.
- The statewide foreclosure forms cover the answer, a stay of sale, and a motion to vacate a default. Every Illinois court must accept them.
- Cannot pay the filing fee? Use the Application for Waiver of Court Fees.
- Prairie State Legal Services helps eligible homeowners in the collar counties. It lists foreclosure among its housing cases. See its office list.
Help by County
| County | Free legal help | Court help or mediation |
|---|---|---|
| Cook | CCLAHD (855) 956-5763 | Mediation helpline (855) 452-2637 |
| Kane | Prairie State (630) 690-2130 | Law Library (630) 406-7126 |
| Will | Prairie State (815) 727-5123 | Mediation date on summons |
| Lake | Prairie State (847) 662-6925 | Program (847) 377-3552 |
| DuPage | Prairie State (630) 690-2130 | Law Library (630) 407-8811 |
- Cook. Cook County Legal Aid for Housing and Debt gives free legal help (cookcountylegalaid.org). The Foreclosure Advice Desk is in Room CL-29 of the Daley Center, 50 W. Washington St. Greater Chicago Legal Clinic runs it. Its lawyers give advice but do not appear in court. Call 312-726-2938 for a remote appointment. Source: Help Desks in the Court House.
- Kane. The Neighbor Project in Aurora gives free HUD-approved counseling (neighborproject.us). Free legal information is at the Kane County Law Library and Self Help Legal Center. It is on the 2nd floor of the Judicial Center in St. Charles.
- Will. Go to the mediation date on your summons, in person or on Zoom. For free counseling, call the Will County Center for Community Concerns at (815) 722-0722. The Will County Law Library is on the 3rd floor of the courthouse, 100 W. Jefferson St., Joliet. Call (815) 727-8619.
- Lake. Call the program within 42 days of service. Housing counseling: Community Partners for Affordable Housing, (847) 263-7478. Volunteer lawyers staff a Mortgage Foreclosure Help Desk on Thursdays at 1:30 p.m., by appointment (19th Circuit).
- DuPage. H.O.M.E. DuPage gives free HUD-certified counseling at (630) 260-2500. Volunteer lawyers staff a civil Ask a Lawyer desk in Room 2017 of the courthouse. It is open Thursdays, 1:00 to 4:30 p.m. (DuPage Courts help desks).
Never pay anyone up front to stop a foreclosure. Counselors and legal aid do not charge for this help.
Further Reading
Resources
- HUD-Approved Housing Counselors, Illinois
- Freddie Mac Flex Modification Program
- Cook County Mortgage Foreclosure Mediation Program
- Cook County Circuit Court Rule 21.14 (foreclosure mediation)
- Kane County General Order 23-09 (program closed, 2023)
- Will County Notice of Mandatory Mediation and Summons
- Lake County Mortgage Foreclosure Mediation Program and LCR 7-2.00
- DuPage County Foreclosure Assistance
- Illinois statewide mortgage foreclosure forms
- Homeowner notice served with the summons (735 ILCS 5/15-1504.5)
- Servicer early contact and notice rules (12 C.F.R. § 1024.39)
- Illinois Redemption Period Statute (735 ILCS 5/15-1603)
- Confirmation of Sale (735 ILCS 5/15-1508)
- Illinois Judicial Sale Statute, including the online auction provisions effective Jan. 1, 2025 (735 ILCS 5/15-1507)
- ATTOM Year-End 2025 U.S. Foreclosure Market Report
- VA Housing Assistance
Start with a HUD-approved housing counselor.
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