Does Illinois Have Programs for Veterans or First Responders Who Want to Buy a Home?

 Posted on March 19, 2025 in Residential Real Estate

If you are a veteran, active-duty service member, or first responder, you deserve a home that fits your needs — and maybe a little extra help along the way. Illinois offers several programs designed to make homeownership more affordable for those who have served their communities and their country.

At The McCormick Law Firm, LLC, we know how important it is to find a home that is the right fit for you and your family. We work directly with buyers throughout Illinois and Wisconsin to make sure the home-buying process goes smoothly. As a way of giving back, our Illinois real estate lawyer also offers steep discounts on legal services for veterans, military personnel, and first responders.

Home Buying Programs for Veterans and First Responders

If you are looking to buy a home, Illinois offers programs that can provide down payment assistance, low-interest loans, and other financial support. Here are some of the most helpful options:

Welcome Home Heroes Program

This Illinois-specific program provides financial assistance to first responders, military personnel, and veterans who want to purchase a home. Eligible applicants can receive:

• Down payment assistance to help with upfront costs

• Low-interest mortgage options to keep monthly payments affordable

• Additional benefits for first-time homebuyers and those with service-connected disabilities

This program is a great option for those who may not have a large savings fund for a down payment but are ready to invest in a home.

VA Home Loan Program

For those who qualify, the VA Home Loan program is one of the best ways for veterans and active-duty military members to buy a home. Some of the key benefits include:

• No down payment required: This can save you thousands compared to conventional loans.

• No private mortgage insurance (PMI): Most homebuyers who put down less than 20 percent on a home must pay for PMI, but VA loans do not require it.

• Competitive interest rates: VA loans often have lower rates than conventional loans, helping you save money over time.

• Limited closing costs

The VA home loan program is available to many veterans, active-duty service members, and surviving spouses, making homeownership more accessible.

Illinois Housing Development Authority (IHDA) Access Mortgage Programs

The IHDA Access Mortgage programs are designed to help first-time and repeat homebuyers with fixed-rate mortgage options and down payment assistance. Depending on the program, you may be eligible for help with a down payment and closing costs, competitive interest rates, and other options available even to those who are not first-time homebuyers.

Finding the Right Home in Illinois or Wisconsin

Choosing the right home is not just about finding a house — it is about finding a place where you and your family can feel comfortable and secure. That is why I take a personal, hands-on approach to real estate law, working directly with families to make the process as smooth as possible.

Whether you are a first-time homebuyer, relocating, or looking for a home that better fits your needs, I am here to help you navigate the paperwork, avoid pitfalls, and make sure your purchase is legally sound.

Talk to a DuPage County, IL Real Estate Attorney Who Supports Veterans and First Responders

At The McCormick Law Firm, LLC, we are proud to help veterans, active-duty service members, and first responders buy the home that is right for them. We offer significant discounts on our legal services as a way to say thank you for your service.

If you are looking to buy a home in Illinois or Wisconsin, contact our Naperville, IL real estate lawyer at 630-517-8570 for a free consultation.