Schedule of Fees

schedule of fees 2 peopleHomeownership Education

  1. Financial Empowerment Workshops — FREE
  2. Realizing the American Dream (in person class) — $75
  3. Keeping the American Dream (in person class) — $75
  4. eHome America (online version of Realizing the American Dream) — $99
    (Seasonal Discounts may be available. Call our office to find out.)
  5. FrameWork (online Homebuyer Education class) — $75

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

If these fees would be a financial hardship for you, please let the Intake Coordinator know. We may be able to waive the fee.


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


Credit Reports — 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 ($19.40 for an individual, $38.80 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.

Fee Based Services**

  1. DownPayment Plus counseling fee — $250
  2. USDA 502 Direct Loan packaging fee — $750  
  3. USDA 504 Direct Loan packaging fee — $150
  4. USDA 504 Direct grant — FREE

**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.

We envision thriving neighborhoods where everyone has equal access to quality housing opportunities.