Stop foreclosure in Delaware.

How foreclosure works in Delaware

• Delaware uses an unusual 'scire facias' procedure that puts the burden on you to answer — silence loses
• A statewide Automatic Residential Mortgage Foreclosure Mediation Program covers owner-occupied homes
• Court confirmation of the sale adds time and one final negotiation window

Redemption & second chances

None after the sale is confirmed.

What this means for you

The scire facias process punishes homeowners who ignore the paperwork — but rewards the ones who respond. Answering and entering mediation routinely adds months of protected time in Delaware, time we use to land the workout or the full-value sale.

Your options in Delaware

Every tool in the national playbook works in Delaware — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short