Frequently Asked Questions

The time varies as we send it to the underwriters. It can take up to 60 days after the underwriter receives it, providing that they do not request additional information. If that happens, we will contact you right away to ask for the information and then send it to HH. This is a statewide program and the time depends on the number of applications received at any one time. If a problem arises during this time, contact your HOME counselor for additional information.
No, if accepted into the program, Hardest Hit will pay your back mortgage payments and then pay forward for up to one year or $35,000. This is a once in a lifetime program. You may not apply again if you have previously received funding.

There is a $40 per household charge for the 8-hour class, and a $20 per household charge for the English and Spanish Gateway Orientation 2.5 hour class. To receive grant monies, both spouses must attend.

PLEASE NOTE: If you decide to come for individual counseling, there will be a $20 charge per individual listed on the mortgage for a credit report. Illinois is a homestead state, so both spouses be signers on the mortgage or waive their rights.

We suggest you start with our Gateway Orientation if you are just beginning your home buying journey. If you are ready to buy and have your down payment, you may certainly register for the Homebuyer’s Ed class first. If starting with Gateway, certain grants require you take both classes to get a certificate to qualify which will be explained in each class.
We have a Spanish Gateway class offered in the afternoon on the fourth Saturday of each month. We also have Spanish speaking counselors and use LARC interpreters upon request. We are currently trying to schedule non-English speaking classes to be held in conjunction with World Relief.
The Homestead program requires a 660 credit score to qualify. Other programs have different requirements. Be sure to discuss this with your counselor.
Call H.O.M.E. DuPage for an intake packet and talk to one of our counselors to get the best advice for your particular situation.
Habitat offers monthly information sessions – call for dates and start there. They will require you to go through our Gateway and counseling programs, but we recommend starting with their information class.
Our counselors know the inner workings of each grant and can guide you so that you receive the most assistance possible. They are very knowledgeable about layering grants and know what will be acceptable to lenders.

Go online and register for a class today! At the class you will receive an application and checklist. Please fill it out completely. When you return with COPIES of the required documents, we will charge you $20 per person for a credit report and make you an appointment with one of our counselors. Your first appointment will run approximately 2 hours.

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If you have additional questions please email us or call us at (630) 260-2500.