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A program was created with the goal of preventing foreclosures and keeping Cape Region area families in their homes. The Sussex County Association of Realtors (SCAoR) launched their “Talk Before You Walk Away” foreclosure assistance program. It is being provided by the Housing Opportunity Partner (HOP) committee of the SCAoR. The aim of the program is to reduce the number of new foreclosure filings in Georgetown and Sussex County.
A partnership has been formed with federal, Delaware state and local agencies to bring advice, awareness, and options to the local communities of the many resources that are available for homeowners who are struggling with their mortgage payments.
They will be increasing education and public awareness, and the program will also help pay for financial counseling and literacy education programs for homeowners. The organizations hopes to help hundreds of families through financial counseling assistance.
The SCAOR is working with the various state programs to reduce foreclosures, including Delaware Community Reinvestment Action Council, Delaware Economic Mortgage Assistance Program, National Council on Agricultural Life and Labor Research Fund Inc, and First State Community Action Agency.
For more information, call 302-855-2300, Ext. 205, or click here to find additional foreclosure prevention programs.
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First State Community Action Agency (FSCAA), which is located at 308 North Railroad Avenue in Georgetown Delaware (phone # (302) 856-7761) is another local non-profit agency that offers a variety of programs. To help people with housing issues, they offer:
Credit and debt counseling. Click here to find additional debt programs.
Pre-purchase homeownership counseling.
Financial Advice and Budget counseling.
Mortgage default and foreclosure counseling.
Reverse mortgage counseling.
Rental and rental delinquency counseling.
Also call Sussex Community Crisis Housing Services, Inc. at (302) 856-7524. They may be able to refer people to rent assistance and eviction prevention programs, and also focus on providing safe and secure temporary housing to the currently homeless. They also work with low income and currently homeless to facilitate the transition from homelessness to financial and housing independence.
First State has several resources and services for people who are in a short term financial crisis and who need help with bills. Some of the resources available include assistance for the items noted below.
Rent Help and Eviction Prevention
Emergency Food
Shelter Placement
Disconnection/Shut Off Notice for Utilities and Heating Service
Free Medical Prescriptions and Discounted Drugs. Click here for additional ways to get help with medical bills.
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Catholic Charities, which has its local headquarters in Georgetown but services the entire Sussex County area (phone (302) 856-3414) provides a variety of resources and services to people in need. For example, they offer food and other assistance to Delaware residents who lack transportation to food pantries. Catholic Charities also provides mental health and substance abuse counseling to the uninsured and underinsured, and people who just can’t afford this aid.
In a partnership with the United Way of Delaware, Catholic Charities provides emergency rent assistance to the newly unemployed through a program known as "Delaware Does More." In collaboration with West End Neighborhood House, Catholic Charities also offers an alternative to expensive, high interest rate payday lending. The bottom line is that Catholic Charities works with many local charities and organizations so they can leverage community resources to improve and increase service and resources to people who need help.
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