The mortgage approval process today faces more scrutiny than in the past, with lenders often requiring higher credit scores and larger down payments. Today’s standard 20-percent down payment requirement has proven difficult for many would-be first-time buyers in Illinois and across the nation. IHDA’s Welcome Home Illinois loan can help first-time buyers in Illinois who qualify by providing the down payment assistance they need to get into their first home, while helping to ensure it’s a great fit financially as well. For more details and to see if you qualify please visit the link below.