The first thing you need to do is TAKE A DEEP BREATH! The foreclosure process takes time. Homeowners in Delaware have up to 9 months to act after missing a mortgage payment to avoid losing their home. That being said, all of the research shows that the sooner a homeowner addresses the problem and seeks help, the better the chance they can save their home. You have taken the right first step. The State of Delaware has committed resources to help you through this process. We are here to help!

Below you will find links to more information to help you. Because each homeowner's situation is unique, it is up to you to be your own best advocate but we are here to help you do just that!

Housing Counseling Services
Housing counselors are available to assist homeowners who are falling behind on their mortgage payments. Housing counseling agencies specialize in a variety of services to assist and educate homeowners including:

  • Mortgage Delinquency and Foreclosure Prevention Counseling
  • Credit Counseling
  • Debt Management
  • Financial Literacy
  • Budget Counseling

If you're a homeowner experiencing mortgage delinquency click here to find a housing counselor now to see what options may be available to you.

Mortgage Payment Assistance:

Delaware Emergency Mortgage Assistance Program (DEMAP)
Commonly referred to as the DEMAP Program, this statewide program provides Delaware homeowners with assistance in preventing residential mortgage foreclosure(s) that result from circumstances beyond the homeowner's control.

Residential Mortgage Foreclosure Mediation Program
The foreclosure mediation program creates a process by which homeowners are connected to housing counseling and provided an opportunity to participate in a mediation session prior to the Court entering a judgment of foreclosure. This program gives homeowners a great opportunity to work with housing counselors, their lender and a neutral mediator to reach a positive alternative agreement and avoid foreclosure.

Manufactured Housing Assistance Program (MHAP)
MHAP is designed to assist Delawareans who are 90 days or more delinquent on their home loan and/or lot rent payments for their manufactured homes. Click here to view the MHAP brochure