State of Illinois Coronavirus (COVID-19) Updates - Click Here

Illinois still protects your legal rights if you apply for help through Making Home Affordable


Foreclosure stock photoSPRINGFIELD – State Senator Jacqueline Y. Collins (D-Chicago 16th) announced good news for Illinois homeowners struggling to avoid foreclosure or to protect their legal rights against lenders. Legislation she sponsored so that Illinois residents can continue to participate in the federal Making Home Affordable program was signed into law today and takes effect immediately.

“We know the housing crisis is not over for every homeowner in every neighborhood, and the federal government recognized this when it extended the Making Home Affordable program through the end of this year,” said Collins, a frontline champion of those affected by foreclosure, mortgage scams and other threats to homeownership. “I’ve made it my mission to ensure Illinois residents can take advantage of all applicable federal assistance to stay in their homes whenever possible.”

Making Home Affordable gives struggling homeowners options – such as refinancing, a modification of mortgage terms, a short sale in lieu of foreclosure or a temporary forbearance for unemployment – when they become unable to make monthly payments and apply to the federal government for help. If the lender continues to foreclose on and sell the home in violation of the Making Home Affordable Act and if the borrower applied for assistance by the deadline, Illinois law allows the borrower to ask a court to set aside the sale. Collins’ proposal, which becomes law today, extends the date by which the borrower is required to have asked for help under Making Home Affordable in order to ensure the justice system works for those whose lenders have violated rules while rushing to foreclosure.

Making Home Affordable is still accepting applications through Dec. 31, 2016. The new state law extends legal protections through Jan. 1, 2018, so that Illinois is prepared in case the federal government renews the program a second time.

Homeowners can learn more about Making Home Affordable and apply for assistance through or by calling (888) 995-HOPE.


COVID19 Updates

Follow Sen. Collins


Newsletter Sign-up
  1. First Name(*)
    Invalid Input
  2. Last Name(*)
    Invalid Input
  3. Your Email(*)
    Please let us know your email address.

Contact Info

Chicago Office:
1155 W. 79th St.
Chicago, IL 60620
(773) 224-2830

Springfield Office:
M114 Capitol
Springfield, IL 62706
(217) 782-1607