The Emergency Mortgage Assistance Portal is Now Open

ROCKFORD, Ill. (WIFR) – The portal for the Illinois State Emergency Mortgage Relief Program is now open.

HomeStart has computer stations available at both the Rockford office at 803 N. Church St. and the Freeport office at 307 W. Main St. They can call 815-962-2011 to schedule an appointment, or they can enter.

The portal is for landlords who are in arrears or forbearance, as long as the reason is related to loss of income due to COVID-19. Additionally, the income threshold is higher than the rental assistance program, with eligible households earning up to 120% of the area’s median income, according to the IHDA.

IHDA developed the Emergency Mortgage Assistance Program to help Illinois homeowners unable to pay their mortgage due to COVID-19-related loss of income. If approved, homeowners will receive a grant of up to $15,000 to cover missed mortgage payments beginning in March 2020 and prepay mortgage payments through December, or until the $15,000 is exhausted.

Not all households will receive $15,000 and an application alone is not a guarantee of assistance. The assistance will be paid directly to the mortgage agent on behalf of the owner. The EMA program will only pay full mortgage payments; no partial payment will be made, according to the IHDA.

EMA applications will be accepted until September 4. Due to anticipated high volume, the application window may close earlier.

IHDA will use a third-party entity to select a pool of applications to review for eligibility. About 10,000 homeowners are expected to receive funding.

If you need help applying for this program, IHDA has partnered with 62 community and outreach support organizations that can help you for free. You can find a directory via the Resource button on

Services are available in English, Spanish, Polish, Italian, French, Romanian, Albanian, Serbian, Arabic, Urdu, Hindi, Cantonese, Tagalog, Mandarin, and ASL. For additional assistance, you can also call IHDA’s call center at (312) 883-2720, or toll-free at (888) 252-1119. For those who are deaf, hard of hearing, or hard of hearing, please contact Navicore Solutions for toll-free assistance at (877) 274-4309 (TTY).

If you are at imminent risk of foreclosure and need legal assistance, a legal aid clinic may be able to help. All services are free. You can find a list of legal aid clinics through the Resource button on

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