2016 Housing Counseling Success Story

Raphael immigrated to the United States from Jamaica in 2012 to make a better life for his family. He chose Delaware because his sister and her husband lived here. His wife and two sons stayed in Jamaica until he was able to provide for all of them here.

He knew it would be better to pay a mortgage than to pay rent, but didn't know where to start. His sister told him about NCALL and our services, so he came to a homeownership class. According to Raphael, "I wanted a three bedroom house, so that my wife and sons could join me here in America, but at first I didn't make enough money to afford that." He says his NCALL counselor was very helpful. "She told us what to do and how to do it. It took some time, but she kept in touch with letters and calls. She taught me about how to keep secure documents and manage my credit to keep a good score, which is very important. She also taught me how to budget."

"I can't thank NCALL enough! They have people at heart. It's so much better to have a place to call your own. I feel much more confident and relaxed."

- Raphael, homeowner

It took Raphael four years until he was ready to be a homeowner. In the meantime he went to Jamaica to visit his wife and sons when possible. "I can't thank NCALL enough. They have people at heart. They helped with everything, and connect you with other experts that explain things - like insurance agents and lawyers. All of their information was very helpful."

He had owned land in Jamaica, but never had a house to call his own. "Paying rent, you feel like you have nothing. Now, paying a mortgage, I feel like I have something. It's so much better to have a place to call your own. I feel more confident and relaxed." His entire family is now together again and they are all pleased with the outcome of the rigorous journey. "Our home is in a comfortable, quiet area. It's not a big house, but my family just loves it!"