Delaware Automatic Residential Mortgage Foreclosure Mediation Program
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 homeowners a voice in the foreclosure process.
FREE HELP is available through this program. You can find information about the Mortgage Foreclosure Mediation Program and helpful links on this page, by calling our toll-free hotline: (800) 220-5424, or contacting us via email at [email protected].
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:
- Loan Modification: agreement to permanently change one or more of the terms of the mortgage contract to make your payments more manageable for you
- 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
- 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:
- 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
- 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:
- You own a one to four unit home
- You reside in this home as your primary residence
- The mortgage on this home is being foreclosed
Mortgage Foreclosure Data
Select Year:
Fourth Quarter 2021 Letter to Legislature
Fourth Quarter 2021 Participation Overview
Third Quarter 2020 – Fourth Quarter 2021 Participation Overview
Third Quarter 2021 Letter to Legislature
Third Quarter 2021 Participation Overview
Second Quarter 2021 Letter to Legislature
Second Quarter 2021 Participation Overview
Fourth Quarter 2018 Letter to Legislature
Fourth Quarter 2018 Participation Overview
Third Quarter 2018 Letter to Legislature
Third Quarter 2018 Foreclosure Data
Third Quarter 2018 Mediation Program Participation Overview
Second Quarter 2018 Letter to Legislature
Second Quarter 2018 Foreclosure Data
Second Quarter 2018 Mediation Program Participation Overview
First Quarter 2018 Letter to Legislature
Third and Fourth Quarter 2017 Letter to Legislature
Third and Fourth Quarter 2017 Foreclosure Data
Third and Fourth Quarter 2017 Mediation Program Participation Overview
Second Quarter 2017 Letter to Legislature
Second Quarter 2017 Foreclosure Data
Second Quarter 2017 Mediation Program Participation Overview
First Quarter 2017 Letter to Legislature
First Quarter 2016 Letter to Legislature
First Quarter 2016 Foreclosure Data
First Quarter 2016 Mediation Program Participation Overview
Second Quarter 2016 Letter to Legislature
Second Quarter 2016 Foreclosure Data
Second Quarter 2016 Mediation Program Participation Overview
Third Quarter 2016 Letter to Legislature
Third Quarter 2016 Foreclosure Data
Third Quarter 2016 Mediation Program Participation Overview
Fourth Quarter 2016 Letter to Legislature
Fourth Quarter 2015 Letter to Legislature
Fourth Quarter 2015 Foreclosure Data
Fourth Quarter 2015 Mediation Program Participation Overview
Third Quarter 2015 Letter to Legislature
Third Quarter 2015 Foreclosure Data
Third Quarter 2015 Mediation Program Participation Overview
Second Quarter 2015 Letter to Legislature
Second Quarter 2015 Foreclosure Data
Second Quarter 2015 Mediation Program Participation Overview
First Quarter 2015 Letter to Legislature
Fourth Quarter 2014 Letter to Legislature
Fourth Quarter 2014 Foreclosure Data
Fourth Quarter 2014 Mediation Program Participation Overview
Third Quarter 2014 Letter to Legislature
Third Quarter 2014 Foreclosure Data
Third Quarter 2014 Mediation Program Participation Overview
Second Quarter 2014 Letter to Legislature
Second Quarter 2014 Foreclosure Data
Second Quarter 2014 Mediation Program Participation Overview
First Quarter 2014 Letter to Legislature
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
Fourth Quarter 2012 Foreclosure Data
Fourth Quarter 2012 Mediation Program Participation Overview
Fourth Quarter 2012 Letter to Legislature
Third Quarter 2012 Foreclosure Data
Third Quarter 2012 Mediation Program Participation Overview
First Quarter 2012 Foreclosure Data- Mediation Program
Second Quarter 2012 Letter the Legislature
Mortgage Mediation Filings – Calendar Year 2012
Total Foreclosure Filings – Fiscal Years 2009-Present
Important Documents and Other Information:
CARES Act Moratorium & Forbearance Options Checklist
Mediation Conference Procedures
Letter Regarding Mediation Conference Procedures
Expectations of the Superior Court
Administrative Directive 2012-2
Administrative Directive 2013-2
Administrative Directive 2013-2 (replaces Admin. Directive 2012-2. Redline Comparison.)
Administrative Directive 2017-6
Administrative Directive 2019-2
Administrative Directive 2019-3
Defendant’s Timeline and Reminders
Notice of Foreclosure Mediation
Mortgage Foreclosure Mediation Brochure
Foreclosure Intervention Counseling Client’s Checklist
Directions to Mediation Conference Locations
HUD-Approved Counseling Agencies
Delaware State Housing Authority
Related Topics: Attorney General, DE AG, DE Attorney General, Delaware, Delaware Attorney General, Delaware Automatic Residential Mortgage Foreclosure Mediation Program, Kathy Jennings, Mortgage Mediation