Through the Finally Home program, the Illinois State Treasurer's Office helps qualified borrowers secure sustainable mortgages by guaranteeing up to 10 percent of their qualifying loans with lenders. The goal is to help Illinois residents avoid predatory lenders and obtain affordable mortgages. Finally Home is governed by Illinois statute (15 ILCS 520/7), and all lending institutions must comply with Article V of the Illinois Residential Mortgage License Act of 1987 (205 ILCS 635) as well as all applicable state and federal predatory lending laws and regulations.

Read our lender FAQs here.

Download our complete guidelines here

Download our income limits grid here

Download a lender brochure here

Download a borrower brochure here

How to Become a Participating Lender:


Step 1. Submit the Lender Enrollment Form and Lender Usage Form.

Step 2: Our office will verify your eligibility status and notify you within five business days via email or fax.

Step 3: Upon receipt of the executed Lender Enrollment Form, you can begin submitting Program Applications immediately.

  
   

Employ Illinois gives business owners access to capital to start or enhance their businesses with the help of low- interest rate loans.

Opportunity Illinois backs low-interest loans to consumers and community development agencies to improve the quality of life in Illinois.

Cultivate Illinois helps farmers offset the rising cost of farming and encourages green business development.
Money Market and Prime Funds allow local government entities to pool their investments to gain a higher rate of return for their residents.
Online bill paying gives people with busy schedules a quick and convenient way to pay government bills and fees.