MORTGAGE ASSISTANCE

The Veterans Assistance Commission of Cook County (VACCC) Mortgage Assistance Program provides temporary emergency financial assistance to eligible Veterans who are behind on mortgage payments. Qualified Veterans may receive up to $2,000 in assistance for past-due mortgage payments to help maintain stable housing.

Basic Eligibility Requirements

To generally qualify, applicants must:

  • Be a resident of Cook County for at least 3 recent consecutive months
  • Have qualifying military service:
    • Minimum 6 months of Net Active Service
    • Honorable, General, GUH, or UHC discharge
  • National Guard members with less than 6 months active duty may qualify with an NGB-22 showing completion of a full contract

Common Required Documentation

Applicants should be prepared to provide:

  • DD214 or qualifying military discharge paperwork
  • VA Rating Award Letter or VA No Benefit Letter
  • Current Illinois Driver’s License or State ID
  • Most recent mortgage statement dated within the past 30 days
  • Household income verification, such as:
    • Recent pay stubs
    • Pension statements
    • Unemployment documentation
    • Social Security award letters
  • If married, spouse income documentation may also be required
  • Documentation for qualifying dependents, if applicable

Important Notes

  • Subsidized housing may disqualify applicants from mortgage assistance
  • Veterans who own multi-unit properties are generally ineligible
  • Assistance is limited to single-family homes, townhomes, mobile homes, manufactured homes, and condominiums
  • Additional documentation may be required depending on the situation

Processing and receipt of services are conducted in person on a first come, first served basis at VACCC Headquarters located at 1100 S Hamilton Ave, C-011 (Lower Level), Chicago, IL 60612. If you have additional questions or would like to speak directly with a caseworker regarding eligibility or required documentation, please contact the VACCC office directly at 312.433.6010 and press Menu Option 1 for Emergency Financial Services.