NCALL offers a variety of housing counseling and educational
services to low and moderate income Delawareans
who wish to improve their housing conditions.
This educational empowerment enables families to take control of their
housing future and enjoy the benefits of improved housing
and greater financial independence.
NCALL offers pre-purchase housing counseling, default and foreclosure
prevention counseling, financial literacy as well as
post-purchase counseling services to residents throughout
the State of Delaware.
Graduates of NCALL's
Financial Literacy, and
Programs become informed consumers.
The counseling process typically starts with a 1 to 2 hour orientation
session followed by a one-on-one intake session.
Follow-up sessions are tailored to the client's needs and continue
until the family becomes mortgage ready or resolves their
Clients wanting or needing more extensive credit, budgeting and
assistance with debt repayment plans are encouraged to attend
NCALL's Growing Your Money Financial Literary course.
NCALL also offers special programs such as Individual Development
Accounts where participants save up to $1,500 towards the
purchase of a house and the amount saved is matched by the
Delawareans Save Program
to provide the homeowner with additional funds towards the
purchase of their home.
NCALL offers households an impartial view of the options available
towards buying or preserving their home.
Families are empowered to make informed decisions about their housing future.
NCALL's pre-purchase counseling assists families to become mortgage-ready
for conventional financing and special federal financing programs,
such as FHA, VA, and Rural Development 502 mortgage loans.
NCALL is a HUD certified Housing Counseling agency and all of NCALLís counselors
are Certified Homeownership Counselors and have specialized training in
Counselors also have received specialized training in foreclosure mitigation.
For the convenience of our clients, NCALL has offices in Dover, Newark, and Georgetown.
Workshops are also available in Spanish at our Georgetown location.
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