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 homeowner's a voice in the foreclosure process.

FREE HELP is available through this program. You can find information about the Program and helpful links on this page or by calling our toll-free hotline: 800-220-5424.

How does the program work?

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


Fourth Quarter 2013 Letter to Legislature
Fourth Quarter 2013 Foreclosure Data
Fourth Quarter 2013 Mediation Program Participation Overview
Third Quarter 2013 Letter to Legislature
Third Quarter 2013 Foreclosure Data
Third Quarter 2013 Mediation Program Participation Overview
Second Quarter 2013 Letter to Legislature
Second Quarter 2013 Foreclosure Data
Second Quarter 2013 Mediation Program Participation Overview
First Quarter 2013 Letter to Legislature
First Quarter 2013 Foreclosure Data
First Quarter 2013 Mediation Program Participation Overview
Fourth Quarter Foreclosure Data
Fourth Quarter Mediation Program Participation Overview (2012)
Attorney General’s report to legislators
Third Quarter Foreclosure Data (2012)
Third Quarter Mediation Program Participation Overview (2012)
Foreclosure Filings/Mediation Program (First Quarter 2012)
Second Quarter Letter to the Legislature
Mortgage Mediation Filings - Calendar Year 2012
Total Foreclosure Filings - Fiscal Years 2009-Present
Foreclosure Filings - Calendar Year 2012
Foreclosure Filings by Case Type - Calendar Year 2012

Important Documents and Other Information:

Administrative Directive 2012-2
Administrative Directive 2013-2
Administrative Directive 2013-2 replaces Admin. Directive 2012-2. Redline Comparison of the 2 Docs
House Bill 40
Defendant's Timeline and Reminders
-Spanish Version
Notice of Foreclosure Mediation
Notice of Reinstated Mediation
Continuing Mediation Record
Final Mediation Record
Mortgage Foreclosure Mediation Brochure
Certificate of Participation
Universal Intake Form
-Spanish Version
Foreclosure Intervention Counseling Client's Checklist
-Spanish Version
Directions to Mediation Conference Locations
Notice of Cancelled Mediation Conference
Mediation Fee Payment Notice
Notice of Intent to Foreclose
HUD-Approved Counseling Agency
Delaware State Housing Association

You may also contact us via email at mortgage.mediation@state.de.us