Foreclosure signs are still far too common in Delaware. According to Realty Trac, as of December 2015, Delaware has the 5th highest rate of foreclosure in the nation. The national average is 1 in every 1,278 homeowners; for Delaware it’s 1 in every 790. In New Castle County, it’s even higher with 1 in 652 facing foreclosure. NCALL is working hard to keep them to a minimum.
It takes a number of remedies to assist families in saving their homes when possible. Whether it be assisting with mediation, loan modifications or the Delaware Emergency Mortgage Assistance Program (DEMAP) for hardships as well as improved money management, NCALL specialists are on call.
Tredena and Charles are happy to be in their home after having almost lost it during this past year. Tredena had heard of NCALL when she was younger and thought to call us when they had a hard time making their mortgage payments. Charles is a truck driver and work had been up and down. She has an in-home daycare business, but they couldn't make ends meet. "Our NCALL counselor was very helpful and very timely getting back to us whenever we had a question. He helped me to understand the process and paperwork. I think God put him in our path." Their advice to anyone else facing foreclosure is, "Don't let your pride overtake you. You have to do something....never think anything is impossible."
“If it weren't for NCALL, we would have walked away a long time ago. They helped to save our house....and our family really. Our NCALL counselor was my saving grace. She was there...she understood.” Katherine, Homeowner
Darren and Katherine originally heard about NCALL in 1992. At that time they went through the homeownership education program. After Darren lost his job in construction, their income changed dramatically. Katherine's job was not enough to cover their expenses. At first, they tried to handle things with their mortgage company on their own. They contacted them and would fill out the required paperwork, but the company kept asking for more paperwork and payments. They weren't making any progress. According to Katherine, "If it weren't for NCALL, we would have walked away a long time ago. They helped to save our house....and our family really. Our NCALL counselor was my saving grace. She was there...she understood."
The modification finally came in from the bank after a year of working with NCALL. It was a big relief. “The staff at NCALL are the nicest people to talk to. Our counselor never gave up and she never stopped working for us. She would check in with me every month to give me an update. ”
Her advice to others in that situation, “Don’t get discouraged; there’s always hope. Call NCALL! I am living my dream now. I always wanted my house and we’ve worked hard to keep it.”
NCALL offers a lifeline to households caught in this country's foreclosure crisis by offering default and foreclosure prevention counseling.
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