While DSHA is not a direct mortgage lender or servicer, we do want to provide information for our customers and partners.

If you are having difficulty making a mortgage payment, DSHA encourages you to be proactive and reach out to your mortgage company for assistance and guidance as soon as possible. Explain the situation to your mortgage provider and ask if they can provide information on relief options that may be available to you.

Several of the larger mortgage companies in the United States have taken actions to help homeowners. Below is information on the steps taken and resources that may be available to Delawareans struggling to make their mortgage payments as a result of the COVID-19 situation.

Borrower Assistance 

Fannie Mae/Freddie Mac
On March 18, 2020, the Federal Housing Finance Agency (FHFA) announced it has authorized Fannie Mae and Freddie Mac to suspend foreclosures and evictions for at least 60 days due to the coronavirus national emergency. The foreclosure and eviction suspension applies to homeowners with a single-family mortgage backed by Fannie Mae or Freddie Mac. To check whether or not your mortgage is backed by Fannie Mae, use the “loan lookup” tool at https://www.knowyouroptions.com/loanlookup or for Freddie Mac use the tool at https://ww3.freddiemac.com/loanlookup/.

Fannie Mae and Freddie Mac are also providing payment forbearance to borrowers impacted by the coronavirus. Forbearance allows for a mortgage payment to be suspended for up to 12 months due to hardship caused by the coronavirus.

On March 18, 2020, the U.S. Department of Housing and Urban Development (HUD) authorized the Federal Housing Administration (FHA) to implement an immediate foreclosure and eviction moratorium for single family homeowners with FHA-insured mortgages for the next 60 days.

This applies to homeowners with FHA-insured Title II Single Family forward and Home Equity Conversion (reverse) mortgages, and directs mortgage servicers to:

  • Halt all new foreclosure actions and suspend all foreclosure actions currently in process; and
  • Cease all evictions of persons from FHA-insured single-family properties.

More information about resources for homeowners is available at the Federal Housing Finance Agency website. Freddie Mac has also created an Interactive Digital Guide for Homeowners to help answer questions and provide information.

Delaware State Housing Authority

Delaware Emergency Mortgage Assistance Program
Homeowners may qualify for DSHA’s Delaware Emergency Mortgage Assistance Program (DEMAP) if they are 90 days or more delinquent on the mortgage of their primary residence. More info is available on our website at: www.destatehousing.com.

DSHA is working diligently to provide additional assistance to homeowners impacted by COVID-19. We will update this site with further resources and information as it becomes available.


Due to overwhelming response, DSHA has temporarily paused application submissions for the Delaware Housing Assistance Program (DE HAP) as of April 24, 2020. If you previously applied to the program, please see below for more information on when your application will be processed.

DSHA and our community partners are doing our best to assist as many applicants as we can and to process applications as quickly as possible. Demand for assistance has been incredibly high with more than 5,400 applications received.

We are processing applications in the order they were received. Applications are referred to one of our community partners who will contact applicants to confirm their eligibility and collect the required documentation. If your circumstances have changed and you no longer need rental or utility assistance, please email us at dehap@destatehousing.com to have your application withdrawn.

DSHA will attempt to assist as many applicants as possible, but funding for the program is limited. Once DE HAP funding has been exhausted, applications will be added to a wait list and be notified if additional funding becomes available.

On March 25, Governor Carney instituted a moratorium on evictions, utility shutoffs and late fees until the State of Emergency is lifted, so no adverse actions should be taken against tenants at this time. However, the moratorium does not relieve tenants of their obligation to pay rent, and any tenants who know they will not be able to pay their rent need to be in contact with their landlord as soon as possible to discuss their options. Tenants who are being threatened with eviction by their landlords during the pandemic should contact the Delaware Attorney General’s Office at 302-577-8600 or COVID.DOJ@delaware.gov. Tenants can also contact the Delaware Legal Help Link at https://delegalhelplink.org/ for assistance or the Delaware Community Legal Aid Society, Inc. (CLASI) at http://www.declasi.org/.

Fannie Mae has also launched a Renters Resource Finder to help renters facing financial hardship due to COVID-19 understand the options available to them. Renters can use the tool to identify apartments and other multifamily properties financed by Fannie Mae, whose residents are eligible for eviction protection under the federal CARES Act, along with other resources.