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Delaware Department of Justice
Attorney General Kathy Jennings

Fraud & Consumer Protection Division



Delaware Automatic Residential Mortgage Foreclosure Mediation Program


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Free Housing Counseling Available Archival version.

Homeowners have a voice.

Since January 19, 2012, the Attorney General, together with other agencies and organizations, has given homeowners a voice in the foreclosure process through the mandatory mortgage foreclosure mediation program.

Free help is available through this program. You can find information about the Mortgage Foreclosure Mediation Program and helpful links on this page, by calling our toll-free hotline: (800) 220-5424, or contacting us via email at mortgage.mediation@delaware.gov.

 

How does the program work?

Mediation process flow chart: served with complaint; contact a HUD-approved housing counselor; look for your mediation scheduling notice; submit your certificate of participation; submit your pre-mediation documents to plaintiff and mediator; file an answer or other response to complainton or before mediation conference; appear for your scheduled mediation conference

 

What to Expect

Mediation will provide you with the opportunity to meet face-to-face with your lender and work towards a mutual agreement in order to avoid foreclosure. Homeowners in Delaware who have participated in the mediation program have benefited from the following resolutions:

Remain in your home

  1. Loan Modification: agreement to permanently change one or more of the terms of the mortgage contract to make your payments more manageable for you
  2. Loan Repayment: your lender will give you a fixed amount of time to repay the amount you are behind by adding a portion of what is past due to your regular plan
  3. Forbearance Agreement: your mortgage payments are reduced or suspended for a period of time. At the end of the time, you resume making your regular payments as well as a lump sum payment or additional partial payments for a number of months to bring the loan current

 

Exit your home

  1. Short Sale: your lender may allow you to sell the home yourself, agreeing to forgive any shortfall between the sale price and the mortgage balance
  2. Deed in Lieu: you voluntarily transfer your property title to your lender in exchange for cancellation of the remainder of your debt

 

 

Eligibility

You are eligible for this free program if:

  1. You own a one to four unit home
  2. You reside in this home as your primary residence
  3. The mortgage on this home is being foreclosed

 

 

Important Documents and Other Information

Mediation Forms

HUD-Approved Counseling Agencies Archival version.

CARES Act Moratorium & Forbearance Options Checklist Archival version.

The above is provided for the convenience of homeowners and housing counselors.  It is provided as general information only.  This information is not legal advice and should not be relied upon as authoritative for any person’s specific circumstances.  Anyone viewing this information should do their own due diligence about their specific circumstances prior to making any decisions as to how to proceed.

Mediation Conference Procedures Archival version.

Letter Regarding Mediation Conference Procedures Archival version.

Expectations of the Superior Court Archival version.

Defendant’s Timeline and Reminders Archival version.

Notice of Foreclosure Mediation Archival version.

Continuing Mediation Record Archival version.

Final Mediation Record Archival version.

Mortgage Foreclosure Mediation Brochure Archival version.

Certificate of Participation Archival version.

Foreclosure Intervention Counseling Client’s Checklist Archival version.

Directions to Mediation Conference Locations Archival version.

Notice of Cancelled Mediation Archival version.

Mediation Fee Payment Notice Archival version.

Notice of Intent to Foreclose  (Updated September 2024) Archival version.

Delaware State Housing Authority

Delaware Homeowner Relief

Mortgage Foreclosure Data

Data in this section includes archival records maintained for public reference. In some cases, these documents may not be optimized for use with assistive technology. We are committed to ensuring that web content uploaded after April 2026 meets WCAG 2.1 Level AA accessibility standards.

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