Delaware Department of Justice
Attorney General
Kathy Jennings

Fraud & Consumer Protection Division

Delaware Automatic Residential Mortgage Foreclosure Mediation Program

 Mortgage Foreclosure Mediations resumed in August 2020. All mediations are being conducted virtually.  Please call (800) 220-5424 or e-mail with any questions.

Homeowners Have A Voice

Starting January 19, 2012, the Attorney General, together with other agencies and organizations, has initiated a mandatory mortgage foreclosure mediation program to give homeowners a voice in the foreclosure process.

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

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 is Mediation – 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

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

Mortgage Foreclosure Data

Select Year:

Important Documents and Other Information:

CARES Act Moratorium & Forbearance Options Checklist

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

Letter Regarding Mediation Conference Procedures

Expectations of the Superior Court

Administrative Directive 2012-2

Administrative Directive 2013-2

Administrative Directive 2013-2 (replaces Admin. Directive 2012-2. Redline Comparison.)

Administrative Directive 2017-6

Administrative Directive 2019-2

Administrative Directive 2019-3

House Bill 40 (HB40)

Defendant’s Timeline and Reminders

Notice of Foreclosure Mediation

Continuing Mediation Record

Final Mediation Record

Mortgage Foreclosure Mediation Brochure

Certificate of Participation

Universal Intake Form

Foreclosure Intervention Counseling Client’s Checklist

Directions to Mediation Conference Locations

Notice of Cancelled Mediation

Mediation Fee Payment Notice

Notice of Intent to Foreclose

HUD-Approved Counseling Agencies

Delaware State Housing Authority

Delaware Homeowner Relief

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