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The Delaware State Housing Authority is a state housing finance agency committed to assisting affiliate organizations in providing affordable housing for low- to moderate-income families in Delaware. The Delaware State Housing Authority does not actually provide direct counseling services, but delivers housing counseling assistance utilizing a number of HUD- approved housing counseling agencies. The Delaware Housing Authority monitors the delivery of housing counseling assistance delivered by counseling agencies located in Wilmington, New Castle, Kent and Sussex Counties.

First State Community Action Agency, Inc. Georgetown, DE $15,268 Founded in 1965, the First State Community Action Agency, Inc., has offered a broad range of human service programs in the state of Delaware. The community public service agency became a HUD-certified counseling agency in 1972, and expanded their service delivery area in 1973 to offer statewide coverage. The counseling agency staff, consisting of three professionally trained counselors, provides the following housing counseling services: homebuyer education, pre-purchase home ownership, mortgage deficiency/default resolution, home equity conversion, rental delinquency counseling, crisis alleviation, energy conservation, and education / outreach initiatives. First State’s housing counselors are certified by the National Federation of Housing Counselors and maintain a membership in the Delaware Federation of Housing Counselors.

National Council on Agricultural Life & Labor Research, Inc. (NCALL) Dover, DE $19,425 NCALL has provided comprehensive housing services to low and moderate-income Delawareans since 1976. NCALL’s housing counseling staff consists of five counselors with a combined 21 years of housing counseling experience and deliver housing counseling assistance throughout Delaware. NCALL has assisted 532 families in achieving first-time homeownership. NCALL offers a detailed homeownership counseling curriculum with the following components: budgeting, credit analysis, debt management, the process of buying a home, housing options, a review of key players and their roles, down payment and closing costs, a review of lender mortgage loan criteria, a comparison of lender rates and terms, home inspections and appraisals, the loan application process, the settlement process, home maintenance, and tips on how to be a responsible homeowner and avoid foreclosure.

Neighborhood House, Inc. Wilmington, DE $14,578 Founded in 1927, Neighborhood House, Inc. is a multi-purpose non-profit community center whose services include a comprehensive Housing Services Program. Neighborhood House primarily serves the New Castle County area. The staff includes the Housing Program Director and three housing counselors, all members of the Delaware Federation of Housing Counselors. Counseling areas include pre-purchase homeownership counseling, post- purchase counseling, mortgage default counseling, Home Equity Conversion Mortgage

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