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Need Housing Assistance?

If you are having trouble paying your mortgage, below are some suggested steps and resources for your family.

Contact Your Lender

  • You should contact your mortgage company as soon as you know you will have difficulty meeting your mortgage payments.
  • Your monthly mortgage billing statement will usually indicate the company in charge of your mortgage.
  • Visit: http://www.hud.gov/offices/hsg/sfh/econ/smhlend.cfm to look for your company's customer service number, if it is not listed on your bill.
U.S. Office of Housing and Urban Development (HUD)

The HOPE NOW Alliance

  • Voluntary alliance of mortgage servicers, lenders, investors, counseling agencies, and others.  The Alliance has created a hotline, operated by the Homeownership Preservation Foundation, that connects borrowers to HUD-approved housing counselors who can help homeowners contact their servicers and work out a plan to avoid foreclosure.
  • Phone number: 888-995-HOPE for free foreclosure prevention counseling 
  • Website: http://www.hopenow.com/

NeighborWorks America
  • a non-profit created by Congress to provide housing counseling to homebuyers and homeowners, and foreclosure counseling. 
  • The following two Delaware agencies are NeighborWorks member organizations:
  • Interfaith Community Housing of Delaware, Inc. in Wilmington, call 302-652-3991, or visit www.ichde.org
  • National Council on Agricultural Life and Labor (NCALL) Research Fund, Inc. in Dover, call 302-678-9400, or visit http://ncall.org
Delaware Housing Coalition (DHC)
  • The DHC advocates for safe and affordable housing throughout the State of Delaware.  Contact DHC to find out about temporary accommodations, affordable rentals and other help.
  • Website: http://www.housingforall.org
  • Phone: 302-678-2286
See if you are Eligible for Modification or Refinance Programs
  • Making Home Affordable Plan - The Obama Administration announced this plan aimed at helping homeowners who are having difficulty making their mortgage payments avoid foreclosure.
  • Find out if you are eligible for refinancing or modification under the plan by visiting www.makinghomeaffordable.gov
  • Find out if you are eligible at HUD's website at http://www.hud.gov/hopeforhomeowners/consumerfactsheet.cfm and by contacting your lender.
HUD Rental Assistance Programs
Public Housing Agencies in Delaware
  • Delaware State Housing Authority- (302) 739-4263
  • Dover Housing Authority- (302) 678-1965
  • New Castle County Housing Authority- (302) 395-5600
  • Newark Housing Authority- (302) 366-0826
  • Wilmington Housing Authority- (302) 429-6736
Available Housing Shelters in Delaware: