The DEMAP is available to help Delaware homeowners who are in pre-foreclosure due to hardship. Assistance is given in the form of a second or third mortgage which can either focus on past-due payments alone, or on both past-due and future first-mortgage payments with a reasonable hope for the homeowner's financial recovery in the near future. Income limits apply.

We are approved by the U. S. Department of Housing and Urban Development (HUD) to provide counseling, education and advice in housing issues to new and existing homeowners.

LNYW is a grant program which matches a participating employer's contribution toward helping an employee move within a 3-mile radius of their workplace. The minimum contribution is $1,000 and will be matched by both the state and the employer's local government. Interested employees should contact their company's human resources department for more information.

Kent County has its own homeownership assistance program for those currently receiving Section Eight funds. An initial rental period helps these public housing residents transition from renting to owning their own home.

First-time homebuyers who currently receive state housing assistance funds may be eligible to apply those funds toward their first mortgage. Borrowers must contribute 1 percent of the cost of the home from their own funds. Minimum income and employment requirements apply.

Those who wish to purchase a home but don't have the down payment may use this program to borrow the funds with a second mortgage on the property. Loans may be issued for up to $10,000. Income and purchase price limits apply.

First-time homebuyers in Delaware with low to moderate income may qualify for their first mortgage through this program. Interest rates are guaranteed to be below current market rates. Borrowers looking to purchase homes in certain targeted areas of the state do not have to be first-time homebuyers.