Relaunched in December 2024, SmartBuy offered an affordable 30-year, fixed-rate mortgage with $5,000 in deferred down payment or closing cost assistance, alongside up to $40,000 in direct student loan relief for borrowers purchasing a home in Illinois.
A largely unasked question is becoming glaring: Is Illinois doing all it should to use artificial intelligence to make government cost less and work better? So far, the evidence says no.