Eleven Chicago-area companies were cited Thursday by the Illinois Department of Financial and Professional Regulation for offering mortgage loan modifications to consumers without a license.

The companies ordered to stop offering loan medications and pay a fine of $25,000 each were Opportunity Consultants; Carrey Services; American Accurate Services; Gamez & Associates Ltd.; Juan Hernandez; Home Loan Modification; Homeowner’s Advocates Centers; Imperium Realty Group; Mortgage Mitigators; Mi Familia; and Loan Rescue Corp.

In Illinois, individuals and companies involved in loan modifications have to meet the minimum qualifications of a mortgage loan originator and be licensed by the state.