Housing Clinic


Do you charge a fee for your services?
No. Our services are free.

Who else provides similar free services 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 applauds DoD's new rules to fight predatory lending.

Here's the WHYY Newsworks online write up of DCRAC's Pre-Purchase First Time Homebuyer program.

Check out the WHYY First story about DCRAC's Pre-Purchase First-Time Homebuyer program.

DCRAC is always looking for ways to work with our elected officials, this recent News Journal editorial highlights the latest example.

Check out how DCRAC grant from U.S. bishops’ CCHD helps Stepping Stones Community Federal Credit Union

Thank you for all your support! DCRAC's "Stand Up for Fair Lending and Rock with DCRAC" event at the World Cafe Live at the Queen was a tremendous success. Here was the News Journal op-ed we had to promote the event.

In this News Journal article, check out how out this how DCRAC teamed up with TD Bank to help a small business owner.

If you need more info about HB 286 and want to call your senator to let him or her know how you feel, click here.

Check out the HB 286 opposition letter from Rashmi Rangan and other community leaders from June 5th.

After collecting data for a year, here is the report to the Office of the State Bank Commissioner on payday lending in Delaware for 2013.

Learn how to avoid foreclosure scams, and talk to mortgage lenders and servicers at these two Delaware Housing Workshops: Monday, June 9th & Tuesday, June 10th. Click here for info.

DCRAC's Free Community BBQ is still on. Join us at 601 N. Church Street today from 11:30 am - 6:30 pm for some burgers and dogs.

DCRAC in the News Journal on May 3, 2014 Payday reform progress, but more needs to be done.

DCRAC Free Community BBQ on Friday, May 16th, 11:30 am to 6:30 pm.

Cape Gazette story of the DCRAC's Free Tax Clinic Workshops for Procrastinators

WHYY's Newsworks coverage of DCRAC's Free Tax Clinic Workshops for Procrastinators

DCRAC Free Tax Clinic Workshops for Procrastinators in Milford, 12 noon - 1:45 pm and Georgetown, 5:00 pm-6:45 pm on April 15th

Check out this profile of DCRAC volunteer attorney Jim Angus in the April issue of Delaware Beach Life magazine.

Do you want to buy a home? Attend the DSHA Homebuyer Fair on Saturday, April 5th from 8am to 4pm at the Chase Center on the Riverfront. Click here for info.

Worried about missing a mortgage payment? DCRAC will be on hand for the DE AG & DSHA's Delaware Housing Workshops on Saturday, March 22nd in Dover 9am - 1pm and Newark 3pm - 7pm. Click here for more info.

Check out Rashmi Rangan's Three Rules for Tax Season in the News Journal.

DCRAC will be hosting a free Tax Clinic Workshop in Wilmington at William Hicks Anderson Community Center on March 20th 12 noon to 1pm and 6pm to 7pm.

In February, DCRAC made the local press in the Milford Chronicle and Cape Gazette.

Rashmi Rangan and Jim Angus had this piece in the News Journal in January.

Hey folks, if you get a notice from the IRS, be sure and check out one of DCRAC's free tax workshops on April 15th. We'll have one in Milford and a second in Georgetown.

Happy New Year! Celebrate the new year with our Financial Fitness Series on the first three Saturdays of each month: January 4th, 11th & 18th; February 1st, 8th & 15th; March 1st, 8th & 15th; April 5th 12th & 19th. Our free classes a run from 10am to 1pm. Thanks to a grant from the Kenny Family Foundation, lunch is served at no charge.

New TELEPHONE Numbers at DCRAC! You can still reach us at the old numbers you have for us. You may get a message to hang up and call our new telephone number.

Delaware CRA Contacts:


Key Contact Information: