Illinois Anti-Predatory Lending

Note: These are suggested lists. Please verify what documents need each certificate with Illinois Anti-Predatory Lending (ILAPLD). You can reach them at 888-455-2753.

Certificate of Exemption / Compliance Required

  • Bridge Loan
  • Commercial Mortgage
  • Construction Mortgage
  • First Mortgage
  • Forgivable Mortgage
  • Home Equity Line of Credit
  • Home Equity Loan
  • Junior Mortgage
  • Line of Credit
  • Loan Agreement
  • Mortgage
  • Mortgage Agreement
  • Mortgage and Assignment of Rents (combination document)
  • Mortgage and Balloon Payment
  • Mortgage and Fixture filing (combination document)
  • Mortgage and Security Agreement (combination document)
  • Mortgage by Corporation
  • Mortgage or Trust Deed to secure a Bail Bond
  • Open End Mortgage
  • Private Mortgage
  • Purchase Money Mortgage
  • Residential Mortgage
  • Reverse Mortgage
  • Revolving Credit Mortgage
  • Second Mortgage
  • Security Agreement
  • Senior Mortgage
  • Small Business Administration (SBA) Loan
  • Subordinate Mortgage (acts as a new second mortgage)
  • Subordinate Trust Deed (acts as a new second mortgage)
  • Trust Deed

Basically any brand new loan on real estate dated or executed (signed) on or after July 1, 2010 requires a Certificate of Exemption or Certificate of compliance.

Certificate of Exemption / Compliance Not Required

  • Amended or Restated Mortgage (changes to an existing mortgage)
  • Amendment of Mortgage (changes to an existing mortgage)
  • Assignment of Beneficial Interest (ABI)
  • Assignment of Mortgage (assigns an existing mortgage)
  • Assignment of Rents
  • Assumption of Mortgage
  • Chattel Mortgage (Loan secured by personal property, not real estate)
  • Extension Agreement or Mortgage Extension Agreement (changes to an existing mortgage)
  • Installment Agreement (for Deed)
  • Modification of Mortgage (changes to an existing mortgage)
  • Novation Agreement (substitution of debtors)
  • Recapture Agreement IHDA (for the Illinois Hardest Hit Fund - Homeowner Emergency Loan Program)
  • Release of Mortgage
  • Subordination Agreement (agreement about new loan and existing loan and their priority in the chain of title)
  • Subordination of Mortgage (agreement about new loan, existing loan and their priority in the chain of title)
  • Uniform Commercial Code (UCC) Financing Statement

Basically any document affecting a pre- existing loan on real estate and in no way creating a brand new loan does not require a certificate of exemption or compliance.