Responding to Community Housing Needs


Pre-purchase Counseling

NCALL's homeownership 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 NCALL’s counselors are Certified Homeownership Counselors and have specialized training in Financial Fitness. 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.

In FY 2008 alone, NCALL saw 625 new homeownership education and housing counseling clients. 244 households achieved their housing goals by becoming a first-time homebuyer or obtaining home repairs. This represents 244 individual success stories by families who cleared up credit problems, saved for down payments or security deposits, paid off debts, consolidated bills, instituted family budgeting, learned about their housing options, accessed various down payment and settlement help programs, and utilized subsidized federal or private credit to achieve their housing goals.

To give you an idea of the leveraging impact of NCALL's homeownership counseling, over $43 million in attractive conventional and federal 502 mortgages were leveraged in 2008 alone.


Homeownership Counseling 2009 Statistics
New Clients this year: 407
Clients Assisted this year: 617
Mortgage Loans Closed: 143
Mortgage Dollars Leveraged: $24,122,935
Average Mortgage: $168,692
Clients Who Used DPSA*: 91
DPSA Leveraged: $1,022,935
Female Head of Household: 38%
Minority Households: 42%
*DPSA is Down Payment & Settlement Assistance Programs

Rural Delaware Homeownership Initiative 2009 Statistics
New Clients this year: 132
Clients Assisted this year: 227
RD 502 Loans Closed: 32
Total RD 502 Mortgage Funds Leveraged: $5,977,896
Average Mortgage: $186,809
Average Income: $28,016
Minority Household: 65%
Below 50% of County Median Income: 59%