For Homeowners

The Department of Housing offers a number of programs to assist current homeowners in making repairs to their homes, and contracts with housing counseling services to help prevent foreclosure.

For more information, contact 312.744.0281.

Foreclosure Prevention and Housing Counseling Centers

Housing Counseling Centers provide counseling to help Chicago residents purchase homes and reduce the number of properties that are lost as a result of foreclosure.

Refinancing of Affordable Units

Department of Housing policy does not allow cash-out in subordination transactions. The maximum new mortgage loan amount will be the amount of the pay-off letter(s) plus the closing costs shown on a signed good faith estimate.

Resale of Affordable Units

A list of documents that should be submitted to the Department of Housing to begin processing of a request for review of the sale of the affordable unit in compliance with the City of Chicago Mortgage, Security and Recapture Agreement.

Reverse Mortgage

To receive a Reverse Mortgage, homeowners must be aged 62 or older, own their homes free and clear or have significant equity in the property, and they must live in the property as their primary residence.

Roof, Porch and Emergency Heating Repair Programs

The Roof and Porch Repair Program and the Emergency Heating Repair Program help homeowners make improvements to their homes.

Small Accessible Repairs for Seniors (SARFS)

The Small Accessible Repairs for Seniors (SARFS) program; formerly known as H-RAIL, provides safety, security and accessibility improvements that help senior citizens to remain in their homes.

Tax Increment Financing-Neighborhood Improvement Program (TIF-NIP)

Program (TIF-NIP) is an DPD-administered program that has been providing home repair grants in eligible TIF districts since 1999.

Technical Assistance

Technical Assistance-Community (former Housing Resource Center or HRC) agencies provide housing-related information, problem solving, community events, workshops and housing fairs to assist low- and moderate-income homeowners.



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