NEW Residential Mortgage Foreclosure Mediation Program
TIME IS OF THE ESSENCE! Homeowners must take action quickly upon receiving the notice of the program to be sure
that they have the time to meet with a housing counselor and complete the necessary documentation. If you have
received the notice of the program, please TAKE ACTION NOW! Follow the link below to view the notice and learn what
steps you must take to participate in the program.
Mediation Program Notice (English)
Mediation Program Notice (Spanish)
The new foreclosure mediation program creates a process by which homeowners are connected to housing counseling and
provided an opportunity to participate in a mediation session prior to the Court entering a judgment of
foreclosure. This program gives homeowners a great opportunity to work with housing counselors, their lender and a
neutral mediator to reach a positive alternative agreement and avoid foreclosure.
The mediation program goal is to assist homeowners avoid foreclosure by providing a formal process intended to
foster negotiations between homeowners and mortgage companies.
The program is free! Homeowners are urged to read all notices and mail received from the Court offices, the state
and their mortgage lender or servicer.
Where do I go? Who do I contact for help?
It is important to stay in contact with your mortgage
lender or servicer whether or not you are participating in this mediation program. They may be able
to provide you with additional resources and assistance. Be sure to contact them as soon as possible - it's
never too late to call your lender!!!
The program was created through a partnership of organizations including Governor Jack Markell, the Superior Court
of Delaware, The Delaware State Housing Authority (DSHA), Attorney General's Office, State Legislators including
Representative John Kowalko, the Bank Commissioner's Office, County representatives, Community Legal Aid Society,
Inc (CLASI), the Delaware Bankers Association and mortgage lenders, Delaware Volunteer Legal Services, Legal
Services Corporation of Delaware, ACORN, attorneys, and HUD-certified housing counseling agencies.