Worried about missing a mortgage payment? 
Facing foreclosure? Suspect a foreclosure scam? 

Start the Foreclosure Mediation Process - NEW!
Other Upcoming Housing & Foreclosure Events
Delaware Foreclosure Timeline

Call the Attorney General's Mortgage Hotline
800-220-5424

Refinancing Opportunities

Other Loan Modification and Refinancing Opportunities:

Making Home Affordable

The Home Affordable refinance and modification program is designed to allow existing homeowners to keep their homes by making mortgage payments affordable. If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Follow this link to determine whether your servicer is participating: http://makinghomeaffordable.gov/

Rural Development Home Loans

If you have a RDHA loan, follow this link for more information.  http://rdhomeloans.usda.gov/fcls.html

 This program offers options that may include:

*       Arrangements to pay the amount past due over a period of time

*      Payment subsidy

*      Moratorium (payment deferment) 

Veteran Affairs Loan Program

Foreclosure Scams

Don't fall victim to foreclosure scams:
Some of the fastest growing frauds are foreclosure rescue scams. In these scams, thieves try to take advantage of homeowners facing foreclosure. Posting as a variety of characters such as "mortgage consultants", "foreclosure rescuers", or as a "foreclosure service", these scam artists target homeowners with offers to "save" the defaulted homeowner's home. The scam artist gets the homeowner's money, but fails to provided any real assistance.  
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Do's and Don'ts

Do's
- Understand who services your loan and who owns your loan
- Call your loan services/lender
- Call a housing counselor
- Organize your finances - do a budget to determine what mortgage payment you can afford
- Create a file to record all calls and correspondence with mortgage services, agencies, and counselors. Follow up calls with letters with return receipt requested
- Educate yourself by attending state-sponsored classes, workshops, and open houses

Don'ts
- Don't panic!
- Don't be rushed into a deal with a foreclosure "rescuer" with promises to stop a foreclosure
- Don't pay a foreclosure "rescuer" in full until all services are performed as promised

Loan Modifications

Mortgage lenders are offering a range of loan modification programs to help homeowners stay in their homes and avoid foreclosure. 
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Housing Services

Housing services:
Members of the Attorney General's Mortgage Fraud Task Force and other local, state, and federal agencies provide a wide variety of services to help homeowners stay in their home. 

Delaware Foreclosure Help - 
There is help available whether you are a homeowner, renter, or family displaced by foreclosure. Learn about the Delaware Emergency Mortgage Assistance Program (DEMAP), the Foreclosure Mediation Program, and other resources. 
 
Delaware State Housing Authority for more information on foreclosure help