Get easy-to-use standard Mortgage Forms for the State of Illinois. Editable, reusable, downloadable documents for mortgage lenders and brokers.

First-time home buyers in Illinois, or military veterans regardless of whether they're first-time buyers, have access to the SmartMove mortgage financing program which offers a 30-year first mortgage with a low interest rate and a mortgage credit certificate to reduce federal income taxes. First-time buyers can also qualify for a second mortgage of up to $6,000 to use as a down payment or to pay closing costs.

With the credit certificate, homeowners can use up to 20% of their annual mortgage interest as a federal tax credit. The remaining 80% can be applied as an itemized tax deduction.

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