Responding to Community Housing Needs


Pre-purchase Counseling

NCALL's homeownership counseling assists families to become mortgage-ready for conventional financing and special federal financing programs, such as FHA, VA, and Rural Development 502 mortgage loans. NCALL is a HUD certified Housing Counseling agency and all of NCALL’s counselors are Certified Homeownership Counselors and have specialized training in Financial Fitness. Counselors also have received specialized training in foreclosure mitigation. For the convenience of our clients, NCALL has offices in Dover, Newark, and Georgetown. Workshops are also available in Spanish at our Georgetown location.

In FY 2010 alone, NCALL saw 514 new homeownership education and housing counseling clients. 276 households achieved their housing goals by becoming a first-time homebuyer or obtaining home repairs. This represents 276 individual success stories by families who cleared up credit problems, saved for down payments or security deposits, paid off debts, consolidated bills, instituted family budgeting, learned about their housing options, accessed various down payment and settlement help programs, and utilized subsidized federal or private credit to achieve their housing goals.

To give you an idea of the leveraging impact of NCALL's homeownership counseling, over $45 million in attractive conventional and federal 502 mortgages were leveraged in 2010 alone.


Homeownership Counseling 2010 Statistics
New Clients this year: 389
Clients Assisted this year: 702
Mortgage Loans Closed: 213
Mortgage Dollars Leveraged: $33,309,431
Average Mortgage: $156,382
Clients Who Used DPSA*: 173
DPSA Leveraged: $1,884,314
Minority Households: 41%
*DPSA is Down Payment & Settlement Assistance Programs

Rural Delaware Homeownership Initiative 2010 Statistics
New Clients this year: 125
Clients Assisted this year: 358
RD 502 Loans Closed: 63
Total RD 502 Mortgage Funds Leveraged: $12,081,411
Average Mortgage: $191,768
Average Income: $30,276
Minority Household: 57%
Below 50% of County Median Income: 32%