Illinois Credit Counseling & Repair

CPAH is a HUD-certified nonprofit organization that develops affordable housing and provides services that empower individuals and families to secure and retain quality housing.

Homeownership is a big step for most families. Whether you are buying your first home or getting back into home ownership, you need to be prepared to qualify for a mortgage. RTO Property encourages all applicants to contact the Community Partners for Affordable Housing for credit counseling services.

Homebuyer Education

CPAH also offers classes to help you navigate the complex home buying process and make the best choices for your household.

Down Payment Assistance

Lack of upfront cash to pay for down payment and loan costs is the biggest obstacle to home purchase. CPAH provides eligible Lake County homebuyers with up to 5% of the purchase price to help with down payment and closing costs.