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Learn more about the Delaware Mortgage Program

Buy a Home

Foreclosure Prevention

Late on your mortgage, struggling to keep up with payments, or facing foreclosure? We may be able to help.

On this page

Falling behind on your mortgage can feel overwhelming, but you have options — and free, trustworthy help is available. Start by talking to a certified housing counselor at no cost, and be cautious of anyone who charges a fee to “save” your home.

Get help now

Talk to a certified housing counselor — free

A HUD-approved housing counselor can review your situation, explain your options, and work with you and your lender at no charge. This is the safest first step for any homeowner in distress.

The Attorney General’s Mortgage Fraud Task Force, in conjunction with the Delaware State Housing Authority and the Office of the State Bank Commissioner, is dedicated to reducing foreclosures statewide by:

  • Providing information about mortgages and the foreclosure process
  • Directing homeowners in need to certified housing counselors and other agencies that offer free services
  • Linking homeowners with state and federal programs that provide mortgage assistance
  • Taking aggressive law enforcement action against foreclosure scams
Visit the Mortgage Fraud Task Force

Foreclosure mediation program

Delaware Automatic Residential Mediation Program

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.

Mortgage Foreclosure Mediation Program

Assistance programs

Delaware Emergency Mortgage Assistance Program (DEMAP)

Housing Delaware is not currently accepting applications for the Delaware Emergency Mortgage Assistance Program (DEMAP). Please check back for further program updates.

Wilmington Senior Tax Assistance Program

The Wilmington Senior Tax Assistance Program is designed to assist homeowners in Wilmington who are 62 or older and facing imminent foreclosure due to delinquent property taxes, or sewer and water bills. The maximum grant amount available under this program is $3,000. This program is available in the City of Wilmington.

Watch: Wilmington Senior Tax Assistance Program news segment (WITN Channel 22)

More homeowner resources

Consumer Financial Protection Bureau

If you’re concerned about how to pay your mortgage or rent due to COVID-19, the Consumer Financial Protection Bureau offers information on what to do now and your options for mortgage relief.

Fannie Mae and Freddie Mac

Fannie Mae and Freddie Mac are offering help for homeowners who missed their mortgage payments due to a financial hardship related to COVID-19, including forbearance plans and a COVID-19 payment deferral option. To see what options may be available to you and check whether or not your mortgage is backed by one of the two organizations, visit their COVID-19 Homeowner Resources webpages at Fannie Mae and Freddie Mac.

Related pages

Questions about this program?

Contact the Housing Delaware team or reach a free housing counselor for one-on-one help.