What We Do

Housing Services

CEDA’s Housing Counseling Program delivers comprehensive counseling services to homebuyers, homeowners, very-low to moderate income renters and the homeless in Cook County, Illinois.

The CEDA Housing Department is a counseling program designed to educate, inform, assess, listen, and find creative ways to empower families and individuals in acquiring and maintaining affordable housing. Shelter services include homeless male veterans and families transitioning from homelessness to transitional housing located in Chicago Heights, IL and western suburban Cook County.

1,626 Clients served - PY2015

$14,225,621.00FUNDS SAVED IN MORTGAGE ASSISTANCE

102EXTREMELY LOW AND SEVERELY LOW INCOME FAMILIES PLACED IN PERMANENT HOUSING

53HOMELESS MALE VETERANS AND FAMILIES PLACED IN TRANSITIONAL HOUSING

CEDA’s Housing Program—funded by local, state, and federal organizations and partners—is a comprehensive housing counseling program focused on helping families remain in or obtain affordable housing.

CEDA works collectively with lenders to work out payment plans for those seeking mortgage delinquency assistance.  The Housing Program also works with over 100 landlords throughout suburban Cook County to place extremely low income families in temporary and affordable housing. Each year CEDA provides counseling services to over 1,500 families and individuals.

All families and individuals are eligible for personalized counseling services. A housing counselor will be assigned to each household to help assess client situation and determine housing services need.  Short-term rental assistance may be provided, pending funding availability and client eligibility.

  • The Housing Department serves the extremely low to moderate income families and individuals. For pre- and post- purchase counseling, foreclosure prevention and mortgage default counseling, and rental and homeless prevention counseling there are no income limits. Anyone needing housing assistance can receive counseling services.

    Special restrictions apply to the transitional housing and permanent housing programs.

  • Please call (312) 782-CEDA (2332) ext. 8962 to register

  • What is Housing?

    The U.S. Department of Housing and Urban Development (HUD) office of Housing Counseling sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. The Department’s primary authority to provide housing counseling services is found in subsection 106(a) of the Housing and Urban Development Act of 1968 (122 U.S.C. 1701x). Section 106 authorizes HUD to provide, make grants to or contract with public or private organizations to provide a broad range of housing counseling services to homeowners and tenants to assist them in improving their housing conditions and in meeting the responsibilities of tenancy and/or homeownership.

    What is CEDA Housing?

    The CEDA Housing Department is designed to educate, inform, assess, listen and find creative ways to empower families and individuals in acquiring and maintaining affordable housing. It was established in 1974 as a Comprehensive Housing Counseling Program to deliver a wide variety of housing counseling services to homebuyers, homeowners, low- to moderate-income renters and the homeless. Specific services are pre- and post-purchase counseling, foreclosure prevention and mortgage default counseling, and rental and homeless prevention counseling. The CEDA Housing Department has continued its mission of providing housing counseling services and has expanded its strategic longer-term focus by incorporating transitional and permanent housing solutions, in contrast to one-time direct client rental assistance payments that were previously offered. Pre- and post-purchase counseling, Foreclosure prevention and mortgage default counseling, and rental and homeless prevention counseling also fall within a long term framework for permanent housing solutions.

    Who is eligible for Housing services?

    The Housing Department serves the extremely low to moderate income families and individuals. For pre- and post-purchase counseling, foreclosure prevention and mortgage default counseling, and rental and homeless prevention counseling there are no income limits. Anyone needing housing assistance can receive counseling services. Special restrictions apply to the transitional and permanent housing programs.

    What does CEDA Housing provide?

    The CEDA Housing Department is a counseling program designed to educate, inform, assess, listen and find creative ways to empower families and individuals in acquiring and maintaining affordable housing. Its goal is to help empower families in making better decisions about improving their housing situation and meeting the responsibilities as a tenant and home owner.

    What is the Service Delivery Model?

    The CEDA Housing program service delivery model creates one consistent pathway towards independent permanent housing which has multiple pathway entry points for clients dependent on their current housing situation needs. This model also relies on strong partner relationships so that clients with needs beyond CEDA’s scope of housing services can receive necessary referrals to other agency services.

    The Housing Counseling Program uses an appointment based model to deliver counseling and other services. This ensures clients who are often in distressing situations has dedicated and uninterrupted one-on-one time with counselors to answer questions and address any concerns. Time is also used to contact lenders and other service providers to help maximize client resources so that they can improve their quality of life. The CEDA Housing program staff are trained professionals and strong advocates for assisting families and individuals to meet their housing needs.

  • Central
    CEDA Central Administrative Office
    567 W. Lake Street, Suite 1200
    Chicago, IL 60661

    West Suburbs
    6141 West Roosevelt Road
    Cicero, IL 60804

    South Suburbs
    1215 West End Ave.
    Chicago Heights, IL 60411

    For an appointment and additional information contact CEDA Toll-free: (800) 571-CEDA (2332)

Temporary Transitional Housing for Veterans, Individuals and Families

This program provides transitional housing for up to two years to homeless veterans, individuals and families that are in need of temporary housing and support services. All clients will live in an independent living setting, have tools and skills to help achieve self-sufficiency and improve their quality of life. Space is limited.

Home buying/Pre-purchase Counseling

CEDA provides one-on-one and group counseling to those that are seeking to purchase housing. Pre-purchase counseling includes an analysis of the client’s financial situation to determine the feasibility of purchasing versus renting and the price range that the client can reasonably afford. The client will walk away learning the ins and outs of the home buying process, including real estate and mortgage terminology, financing alternatives, and fair housing laws.

Permanent Housing for Individuals and Families through the Rental Housing Support Program:

This program is a state funded program designed to provide rent subsidies to tenants living in RHS units across suburban Cook County.  All eligible tenants must come from the CEDA WAITING LIST and must be at or below 30 percent of the area median income. For example, an individual must gross at or below $15,960 and a family of four must gross at or below $22,800.  Other restrictions may apply.  Space is limited to eighty-five (85) subsidies.

Rental Counseling

CEDA provides one-on-one and group counseling to those that are seeking to the need for affordable housing to avoiding eviction or accessing alternative housing to prevent homelessness. This type of counseling includes a financial analysis to determine how much rent the client can afford to pay and alternative should renting not be affordable. All rental clients are advised on their rights under fair housing laws and local ordinances related to landlord/-tenant relations. Other options are discussed should the client be unable to afford market rent.

Financial Management/Budget Counseling

CEDA provides one-on-one and group counseling to those that are seeking to balance their budget or those that have credit issues. Other options, such as refinancing home loans or home equity loans may be discussed pending client eligibility.

Services for the Homeless Counseling

CEDA provides one-on-one counseling to those that are near homelessness or homeless. This type of counseling is geared for those seeking emergency shelter or other emergency services.

Mortgage Delinquency and Mortgage Default Counseling

CEDA provides one-on-one and group counseling to those seeking to address the need for assistance in avoiding foreclosure or accessing alternative housing to prevent homelessness. Mortgage delinquency/mortgage default counseling includes an analysis of the client’s financial situation to determine the options available to cure the delinquency/default. Budget counseling is required to assist the client in maximizing his or her available resources. When the budget is determined, the counselor usually contacts the lender to determine the feasibility of entering into a reinstatement plan or forbearance agreement. Other options on how to avoid foreclosure is also discussed.

  • I will always be grateful to the staff at Ordered Steps for their loving words, direction, interaction, passion and all-around job experience that really works. I am a product of their passion for their job. Words are not enough, I am so grateful for them and this program.

    -Dan Brown