DSHA is not currently accepting applications for the Delaware Emergency Mortgage Assistance Program (DEMAP). Homeowners are encouraged to visit demortgagehelp.com to learn more and apply for the Delaware Mortgage Relief Program, funded by the Homeowner Assistance Fund and American Rescue Plan Act.

If you are in need of immediate help with your mortgage, please contact one of the following 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.

Attorney General's Mortgage Fraud Task Force
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

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.

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.