Eligible homeowners may qualify for a loan of up to $25,000 through the Hardest Hit Fund to help bring their mortgage current and prevent foreclosure. AHC is a participating sponsor that is assisting Lake County homeowners in accessing these loan funds.

How Does the Assistance Work?
Homeowners may qualify for two types of loans as stated below. Loans are originated as an interest-free deferred forgivable loan; they have a 10-year term, and are forgiven over the last 5 years of the term.

• Reinstatement Assistance Loans to pay mortgage arrearages, penalties and fees in full.
• Monthly Mortgage Payment Assistance Loans to pay the mortgage payment for up to 18 months. Homeowners are required to pay a portion of their income toward the mortgage.

How Do I Begin?

1. Verify your eligibility & start your online application through www.illinoishardesthit.org
2. Attend an orientation session. Upcoming classes are as follows:
   
   Saturday,December 10, 12:30 - 2:30pm
   Tuesday,December 20, 6:00 - 8:00pm
   Tuesday, January 10, 6:00 - 8:00pm
   Saturday, January 21, 1:00 - 3:00pm
   Tuesday, February 7, 6:00 - 8:00pm
   Saturday, February 25, 9:00 - 11:00am
   
   IMPORTANT: PLEASE READ!
   • Class held at the AHC office in Libertyville. Click here for address and directions.
   • Registration is required and space is limited. Call 847/263-7478 to reserve your space.
   • Please do not bring children, as seating is limited and there are no seating areas.

Other Important Information
Click on the below downloads for helpful and important information about how to qualify and apply for a loan.

1. Eligibility Guidelines: Make a preliminary determination if you are eligible for a HHF loan
2. Application Package Checklist: Avoid delays by using these step-by-step guidelines for insuring a complete loan application package