Stop foreclosure in Illinois.

How foreclosure works in Illinois

• Illinois builds in a 90-day reinstatement right and a 7-month redemption period
• Cook County and other counties run court-annexed mediation programs
• The sale must be confirmed by a judge, who can refuse unconscionable results

Redemption & second chances

Redemption generally runs 7 months from service (or 3 months from judgment, whichever is later).

What this means for you

Illinois gives homeowners more structured time than almost any state — reinstatement, redemption, mediation, and judicial confirmation are four separate levers. The homeowners who lose houses here are usually the ones who never pulled any of them.

Your options in Illinois

Every tool in the national playbook works in Illinois — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short