We Offer A Helping Hand for Homeowners in Need.
Are you at risk of displacement due to unpaid housing-related obligations such as mortgage payments and property charges?
The Delaware Mortgage Relief Program may be able to help.
Call (888) 303-4324 to learn more.
Who is eligible for the Delaware Mortgage Relief Program?
Homeowners may be eligible for assistance through the Delaware Mortgage Relief Program if they meet the following:
Own and occupy their home in Delaware as their primary residence.
The homeowner/borrower must have experienced a pandemic-related financial hardship that occurred after January 21, 2020, such as lost income or increased expenses.
Household income at or below 150% Area Median Income (AMI) for mortgage relief. Click here to find your AMI.
Household income at or below 80% Area Median Income (AMI) for home repairs. Click here to find your AMI.
*Home Repair applications will be accepted on a rolling basis until the $3 million runs out. New Castle County and Kent County are no longer accepting applications for home repairs. Sussex county has a waitlist for home repairs.Homeowner’s first mortgage is a conforming loan and meets the federal limits for the year in which the loan was originated.
Homeowners applying for the ‘Reinstatement’ program must be at least 30 days past due on mortgage payments and/or housing-related expenses.*
Homeowners applying for the monthly ‘Mortgage payment assistance’ program (standalone option) are NOT required to be delinquent on their mortgage. This program can also be combined with the ‘Reinstatement’ program, if the homeowner qualifies*
*Additional underwriting criteria may apply.
View Our Live Program Dashboard!
View our program status dashboard that displays real-time data.
Program categories displayed are:
- Total Mortgage Assistance Paid
- Total Mortgage Applications in Progress
- Unique Households Assisted
- and, Average Assistance Amount Awarded can be viewed.
frequently asked questions
What can the relief funds
be used for?
Designed to offer a one-time payment on behalf of a qualified homeowner to pay delinquent mortgage arrears and/or another resolution to right-size future mortgage payments to levels affordable to the homeowner.
In addition to avoid imminent displacement due to but not limited to: Tax delinquency, chattel loan, or land lease delinquency; eligible utilities are water and sewer only; Homeowners association fee/condominium association fee delinquency; Homeowner’s insurance delinquency; and home repairs.
**The program currently does not cover electricity
How much assistance
can I apply for?
Each Homeowner will be eligible for up to $50,000 in mortgage relief to be used only for the homeowner’s primary residence. Home repair grants are capped at $20,000.