The Illinois Housing Development Agency (IHDA) runs programs to assist homeonwers who have underwater mortgages or need help paying for mortgages. The "Hardest Hit" Program gives up to $35,000 in federal mortgage assistance and the "I-Refi" program helps those who are underwater and offers up to $50,000 for those who meet income and other requirements.
For more information contact IHDA at 855-873-7405 or use one of the following links:
https://www.ihda.org/my-home/irefi/
ihda.org/my-home/buying-a-house/getting-an-ihda-loan