Schedule of Fees

Homeownership Education

  1. Homebuyer 411 -- FREE
  2. Financial Capabilities Series -- FREE
  3. Realizing the American Dream (in person class) -- $75
  4. Keeping the American Dream (in person class) -- $75
  5. eHome America (online version of Realizing the American Dream) -- $99

Enroll now in a Homeowner Education Class by calling our office at 815-962-2011.

Pre-purchase, post-purchase, homeowner services, and foreclosure counseling -- FREE

Credit Reports – FREE*

Fee Based Services**

  1. DownPayment Plus counseling fee -- $150
  2. AHP Down Payment counseling fee -- $150
  3. USDA 502 Direct Loan packaging fee -- $750  
  4. USDA 504 Direct Loan packaging fee -- $150
  5. USDA 504 Direct grant -- FREE

*We assist clients in pulling their free annual credit report, but if the client wishes, we will pull a tri-merge credit report and charge the actual fee charged by the credit reporting agency ($18.40 for an individual, $36.80 for a couple).  For clients who are facing foreclosure or believe they may have been a victim of identity theft, we may waive these fees.

**These counseling fees are collected at closing from the grant or loan funds.  These are not up front costs for the customer, and are only collected at closing if grant or loan money is received.