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Housing Clinic
- Housing Clinic Director Carlos Herrera 302-654-5024 x 103 or 877-825-0750 x 103
- One page brochure about our Housing Clinic
- More about our Housing Clinic
- Looking for affordable housing
- Foreclosoure Prevention Forms:
- Check List
- Intake
- Budget
- Authorization (DCRAC form)
- Tax form
- Pledge (DCRAC form)
- Check List
- Seniors and those with disabilities can apply for property tax exemptions:
- Mediation Program Flyer
- Sheriff contacts and Sheriff sale information
- Important information for Tenants living in foreclosed homes
- Contact a HUD approved counselor at Delaware Housing Counseling Agencies
- A DCRAC Presentation on foreclosure prevention
- FTC brochure on Foreclosure prevention: Mortgage payments sending you reeling?
- DEMAP A Delaware Emergency Mortgage Assistance Program
FAQs
Do you charge a fee for your services?
No. Our services are free.
Who else provides similar free services in Delaware?
- HUD approved Housing Counselors, the Attorney General's Office, The Delaware State Housing Authority, Legal Services Corporation of Delaware and The Bank Commissioner's Office are agencies that assist with Foreclosure Prevention.
- Along with us, Community Legal Aid also helps with fair housing complaints. The Division of Human Relations Commission investigates and hears your fair housing complaint.
- Upcoming foreclosure prevention events and workshops in Delaware
What happens at your Servicer event?
Generally, you the homeowner will bring all relevant paperwork to the event. At the event, you will be given forms that are required by your servicer. Depending on the number of people ahead of you, you may have to wait to meet with your servicer. If you need help with filling out forms, our volunteers can assist you. You will get an opportunity to meet with your lender/servicer and get your file moving forward in the right direction.
Can I just show up for your Servicer event?
Yes. But it always helps when you pre-register with us.
What documents should I bring with me for my first meeting with you or for the servicer event?
Bring a copy of your latest tax return, any letters you have received from the lender, and if you are experiencing financial difficulties bring a copy of your mortgage documents, your latest utility bills for electric, gas, cable, phone, water, garbage, etc., 3 months of bank statements for all bank accounts, 3 months of credit card statements for all credit cards, your last 3 pay stubs, all medical bills, and any other bills you have that document your indebtedness.
Who are your Housing Clinic staff and what do they do?
Carlos Herrera is our Clinic Director who triages cases as they come in. He meets with you, gets all your facts together and works with the lender/servicer.
Are you HUD approved?
DCRAC is HUD funded for Fair Housing programs. Our foreclosure prevention counseling work is not HUD approved. Carlos Herrera is trained and certified by Neighborworks to offer foreclosure prevention counseling.
What are the implications to me about your program not being HUD approved?
Mediation Program and Delaware Emergency Mortgage Assistance Program requires that you receive counseling from a HUD approved Housing Counselor. If you qualify for these programs, we will refer you to the list of HUD approved housing counselors.
Before coming to DCRAC, should I try a private services that advertise on TV or through flyers and letters?
Be very careful about the dangers of paying someone to do what you can do on your own or with a little help from the nonprofits in the community.
What are some reputable resources I should go to for more information?
Quick Look at What's Happening at DCRAC
DCRAC's comments on Fed approval of Capital One-ING Direct merger
Delaware Attorney General Beau Biden Signs on to Settlement Deal
The News Journal's Delaware Inc. quotes from DCRAC's letter to AG Beau Biden on mortgage settlement deal.
Public Housing notice in Newark, Delaware.
The News Journal prints DCRAC's "Delaware Voice" essay on Capital One merger with Ing Direct.
DCRAC releases letter of support for Delaware Attorney General Beau Biden.
DCRAC statement on DE Bank Commissioner's Cap One - ING decision: "We place the City of Wilmington and the Delaware Economic Development Office on notice to keep their calculators ready. Six months after the merger is consummated, we will ask them for a public accounting with regards to all the jobs that have been created and services provided to our communities here in Delaware by Capitol One."
Rashmi is quoted in News Journal on Mortgage Deal
John Taylor from Content Delaware interviews Rashmi Rangan
Check out these January Fair Housing Training Events
Rashmi Rangan quoted in News Journal editorial about Cordray Appointment
Rashmi Rangan: Richard Cordray Appointment Victory for Consumers
Join Rashmi Rangan for Ignite Wilmington, Nov. 30th at 7:00 pm at World Cafe Live at the Queen. Go to www.ignitewilmington.com.
Hoy en Delaware features a letter from Rashmi Rangan, Jim Angus and Rony Peralta on the Sussex County Today and Tomorrow Conference at Del Tech.
Rashmi wrote a letter to the DE Sec of Labor and pointed to the agreement reached in VA.
Good news last week in Norfolk, Virginia on the issue of worker wages. Check out the agreement between the VA Sec. of Labor and the Mexican Consulate in DC.
DCRAC's November 2 letter to the bank commissioner regarding the Capital One-ING Direct merger.
This is the cooperative agreement proposed by DCRAC for the Capital One-ING Direct merger.
Here is Rashmi Rangan's testimony from the October 27 Capital One - ING Direct bank commissioner hearing.
Eve Tahmincioglu from Delaware First Media looks at Stepping Stones FCU and the role credit unions have played in low income areas.
Here is a story about our CRA Leadership Award in the Community Pub
The Seaford Star has an interview with CRA Leadership Award winner Amy Walls
WHYY's Newsworks posted a story on U.S. Rep John Carney's visit to DCRAC as he learned about our mission and Stepping Stones FCU.
The Cape Gazette printed a nice profile of Amy Walls, DCRAC's 2011 CRA Leadership Award winner
WHYY's Newsworks has a good story on "Celebrate CRA 2011" and "Stepping Stones FCU"
The News Journal's Rhonda B. Graham highlights Stepping Stones FCU as a sign of hope in Wilmington.
The News Journal's Eric Ruth reports on the creation of Stepping Stones FCU
NCUA Grants Charter for Stepping Stones Federal Credit Union
Rashmi Rangan's detailed comments on Capital One-ING Direct merger to Federal Reserve
Rashmi Rangan's testimony at Capital One-ING Direct Public Meeting
DCRAC interview with Housing Clinic Director, Carlos Herrera
DCRAC welcomes our partners to the 15th annual Celebrate CRA
Rashmi Rangan's op-ed on Dodd-Frank and Consumer Protection Bureau
DCRAC seeks Credit Clinic Director
DCRAC comments on Capital One/ING
Looking for Scholarship Opportunities
Looking for Employment
New Journal's Eric Ruth Quotes Rashmi Rangan on Capital One-ING Direct Merger
News Journal story on family's struggle in foreclosure crisis
News Journal story on Fed approval of M&T - Wilmington Trust merger quotes DCRAC
WHYY features DCRAC in: "Fighting Foreclosures" http://video.whyy.org/video/1780751388/
WHYY interviews Rashmi Rangan on Fed forclosure report
News Journal report on M&T Bank and Wilmington Trust merger hearing
Rashmi Rangan's Public Testimony M&T/WT merger hearing
Delaware CRA Contacts: