A Community Development Agency
86 N. Williams
Crystal Lake, IL 60014
1-800-705-8350 Toll Free
1-224-293-6110 FAX

Who is Partners In Charity?

Partners In Charity Mission Statement:
Since its inception in 2000, Partners In Charity’s mission for over a decade has been to provide quality housing, solutions for housing related problems through counseling, critical education related to housing including financial literacy targeting the vital needs of an under-served population: low to moderate income families and individuals, veterans and senior citizens. \

Click Here for a Letter from the Happy Homeowners

FHA Announces New “Back To Work” Program

The Federal Housing Administration’s Back to Work – Extenuating Circumstances program can help
shorten the waiting period to buy a home to as little as one year after you have experienced a bankruptcy, foreclosure, deed in lieu of foreclosure or
short sale.

For more information or to set up an appointment for FHA Back to Work Counseling:  847-428-6504  Choose option 1.

Counseling Requirement – Participants in this FHA initiative must:
-Complete the counseling requirement a MINIMUM of 30 days but no more than 6 months PRIOR to submitting a loan application to a lender.
-Receive homeownership counseling (or a combination of homeownership education and counseling) provided that each participant receives, at a miminum:  One hour of one-on-one counseling from HUD approved housing counseling agency.
-The counseling must address the economic event and the actions taken to overcome the economic event and reduce the likelihood of occurrence.
Will I qualify for the program?
Your lender will determine if you meet the FHA loan requirements and the guidelines for eligibility for the
Back to Work program.
If you had a financial hardship in the past that was beyond your control, reduced your income or
caused you to lose your employment, and/or if your household income dropped by
20% or more for at least 6 months, it may count as a financial hardship for
this program.

Housing Counseling Program

Partners In Charity is a not-for-profit, 501c3, HUD approved housing counseling agency providing one on one housing counseling, classroom education and seminars for pre-purchase, foreclosure intervention/mortgage modification and mortgage scam assistance.  We also offer rental counseling and address financial literacy and budgeting within these counseling and classroom services.
In an effort to help stop foreclosures and assist with stabilizing neighborhoods in our communities, we are participating in multiple programs and have become affiliated with housing counseling intermediaries.  These intermediaries and programs provide grant and program funding so that we can offer mortgage delinquency counseling and workshops free of charge to homeowners struggling to keep their homes.