There are several things that effect a Mortgage Credit Certificate. Generally, it is harder to receive credits with a second mortgage. How long has it been since you previously owned a home? Are you currently using a VA loan? Illinois has several programs available, including Welcome Home Heroes, which can give up to $10,000 to veterans and active duty. There are many guidelines you must meet to be eligible for this. If you have further questions or need more information, I am an active duty spouse and familiar with VA processes and eligibility. Please call me at 859-361-4078.