Delaware to Assist Manufactured Homeowners

April 15, 2013 (DOVER, DE) – It’s a call for help that frequently has had no answer — until now.  Many manufactured homeowners have not been eligible to participate in foreclosure prevention programs because their home is technically considered personal property and not real estate.  The new Manufactured Housing Assistance Program (MHAP) has been made available through Delaware Homeowner Relief — a partnership of the Delaware State Housing Authority (DSHA) and the Delaware Attorney General’s Office.  MHAP enables owners of manufactured homes on rented land or on a lot owned by the homeowner to receive payment assistance for past due lot rent and/or home payments.

Governor Markell said, “This program will help families facing eviction or repossession. Helping manufactured homeowners stay in their homes is good for our economy and good for Delaware’s families.  We are committed to achieving and sustaining homeownership for as many homeowners as possible.

“The housing crisis that brought our economy to the brink of collapse has affected homeowners throughout Delaware,” said Attorney General Beau Biden, whose office secured approximately $45 million for Delaware in the national mortgage foreclosure settlement with five of the nation’s largest mortgage servicing banks. “We are using a portion of the national foreclosure settlement to provide some relief to manufactured home owners who have been hurt by the downturn in the economy.”

“Many manufactured homeowners are struggling to pay their lot rents and home mortgages, as are so many other families across the country. But while traditional land-owning homeowners have access to state mortgage assistance, these manufactured homeowners do not qualify for the same programs. I felt something must be done to remedy this discrepancy. In response to those concerns, the Delaware State Housing Authority has developed this new program geared specifically for manufactured homeowners,” stated Representative Valerie Longhurst.  “I am very proud that we will be able to assist Delawareans living in these overlooked communities and help families in our state stay in their homes.”

Eligible homeowners will have a maximum benefit of up to $5,000 to use towards arrearages, plus continuing payment assistance up to 12 months or until they reach the maximum benefit.   Qualified applicants must have suffered a 15% or more decrease in income from loss of employment, reduction in hours, injury or illness.  Other eligibility requirements apply.  MHAP is a no-interest loan secured by a lien, and must be repaid if the property is refinanced, sold, or title is transferred, or the borrower(s) no longer resides in the property.

DSHA Director Anas Ben Addi said, “Manufactured homes are a popular and affordable source of housing in Delaware, and make up approximately 11% of Delaware’s housing stock.  We are extremely pleased to finally be able to help manufactured homeowners who are also facing the same financial difficulties.”

Homeowners who are delinquent and at risk of repossession or eviction should meet with an approved MHAP housing counseling agency as soon as possible. The counselor will help determine whether MHAP is right for them and guide them through the application process.

Ed Speraw, President of the Delaware Manufactured Home Owners’ Association, added, “Manufactured homeowners suffer the same catastrophic events such as loss of a job or a spouse, but have not been able to get financial help because of the restrictions.  This program is a great idea, and has been a long time coming.”

For additional information about eligibility requirements and other affordable housing programs, programs, please call (888) 363-8808.

To find out more about foreclosure, or if you believe you have been the victim of fraud or a scam, call the Attorney General’s Foreclosure Hotline toll-free at (800) 220-5424 for information and referrals.

About Delaware Homeowner Relief

Delaware Homeowner Relief is a joint partnership between Delaware State Housing Authority and the Delaware Attorney General’s Office.  It was created in 2012 from the proceeds of the National Mortgage Foreclosure Settlement between the federal government, states and the nation’s five largest mortgage-servicing banks.  The Partnership supports emergency homeowner assistance programs, housing counseling, educational outreach, Delaware’s mortgage mediation program, and mortgage fraud investigation and prosecution.


Delaware Manufactured Housing Assistance Program – Participating Counseling Agencies
HUD Approved Counseling Agency County
New Castle Kent Sussex
CCCS of MD & DE, Inc. 866.731.8486 866.731.8486 866.731.8486
CLARIFI Inc. 800.989.2227
First State Community Action Agency 302.498.0454 302.674.1355 302.856.7761
Hockessin Community Center 302.239.2363
Housing Opportunities of Northern Delaware, Inc. 302.429.0794
Interfaith Community Housing 302.652.3991 302.741.0142
NCALL Research 302.678.9400 302.855.1370
Neighborhood House, Inc. 302.652.3928 302.378.7217
YWCA Centers for Homeownership Education 302.224.4060



DSHA Awarded $5.1 Million To Create Housing For The Disabled

Delaware State Housing Authority Director (DSHA) Anas Ben Addi was joined today by Senator Tom Carper, U.S. Department of Housing and Urban Development (HUD) Regional Administrator Jane C.W. Vincent, and Delaware Department of Health and Social Services (DHSS) Secretary Rita Landgraf to celebrate Delaware’s award of $5.1 million to create and sustain 170 units of affordable housing over five years for persons with disabilities through the Section 811 Project Rental Assistance Demonstration Program.  This federal program, funded through HUD and the U.S. Department of Health and Human Services, enables people with disabilities who have extremely low incomes to live in integrated mainstream settings.  DSHA and DHSS are working closely together to identify persons with disabilities who require long-term services and support to live independently in the community.

“People with disabilities are facing disproportionate housing and employment challenges,” said Governor Jack Markell.  “It’s important to them, and important to us, to give these individuals the opportunity to live independently with safe, secure, long-term housing and appropriate support services so they can be successful.”

“Providing basic needs like safe, affordable housing to those who desperately need it is a moral imperative,” remarked U.S. Senator Tom Carper. “This grant award will help Delawareans have a place to call their own and is one important step to those folks achieving independence.”

“In a state of neighbors, it’s up to all of us to ensure that all Delawareans have a roof over their heads and a safe place to sleep at night,” Senator Coons stated. “Unfortunately, there are still too many Delawareans who struggle to afford a place to call ‘home.’ I applaud the work of the U.S. Department of Housing and Urban Development and the Delaware State Housing Authority in securing this funding to help Delawareans with disabilities live safely and independently.”

“Everyone deserves a safe, affordable place to call home,” commented Congressman Carney.  “The funding announced today will provide that for Delawareans who have disabilities and need long-term support.  This is an investment that benefits individuals and their families, and strengthens the entire community.  I look forward to visiting some of the new residents once they’ve settled in.”

“HUD is pleased to support the First State in its efforts to offer real and lasting solutions for persons who might otherwise be institutionalized or living on our streets,” said Jane C.W. Vincent, HUD’s Regional Administrator of the Mid-Atlantic region. “These funds will provide a significant increase in the inventory of permanent, supportive housing, and also enable us to identify innovative and replicable ways to better serve very low-income people with disabilities.”

Building on the existing DSHA/DHSS partnership developed in recent years as part of the state-funded State Rental Assistance Program (SRAP), the Section 811 PRA Demo Program will leverage the successes of the SRAP and contribute significantly to the State’s ongoing efforts to develop a continuum of community-based housing choices as part of a system of long-term care that prioritizes living and providing services in the community.

DSHA Director Anas Ben Addi said, “With the achievements of SRAP, incorporating the 811 program seemed natural to us.  We are pleased the federal agencies have confidence in our abilities, and we are looking forward to expanding the number of people and families we are able serve.”

“This federal funding allows the state to help more individuals with disabilities to live in the community,” noted DHSS Secretary Rita Landgraf. “A home provides that critical foundation for people with disabilities to be included in all aspects of community life.”

The 811 program is anticipated to assist 170 individuals and very low-income families with housing and community-based services each year for five years. DHSS case managers will identify eligible applicants and coordinate their care and services while DSHA manages the housing subsidy. This includes ensuring the homes are safe through initial and yearly inspections and processing the rental assistance.  Approved clients will contribute a portion of their monthly income toward their housing expenses.

For additional information about eligibility requirements and other affordable housing programs, programs, please call (888) 363-8808.

About the Delaware State Housing Authority

The Delaware State Housing Authority (DSHA), formed in 1968, is dedicated to providing quality, affordable housing opportunities and appropriate supportive services to low- and moderate-income Delawareans. In addition to its role as the State’s Housing Finance Agency, DSHA is unique in that it also serves as a Public Housing Authority and acts as a Community Development and Planning Agency. As a Public Housing Authority, DSHA receives funding from HUD to build, own, and operate public housing in Kent and Sussex counties, two of Delaware’s three counties. For more information about the Delaware State Housing Authority, please call: (888) 363-8808 or visit our website at:

DSHA’s Loans for Heroes Helps Delaware Veterans Find a Place to Call Home in the First State

Dover, DE (November 9, 2012) – Delaware State Housing Authority (DSHA) has been working with veterans throughout the state to provide them with the opportunity to purchase a home with its Loans for Heroes mortgage loan.  Loans for Heroes, which provides veterans with reduced mortgage rates, has seen much success; funding $3.3 million in mortgage loans for veterans since its launch in May, 2012.

“Our veterans provide us with peace of mind through their service.  We hope to provide them with the same peace of mind when they return from the battlefield,” said Governor Jack Markell. “Loans for Heroes reinforces our commitment of making Delaware a welcoming haven for our veterans.”

One recent success story is Andrew Camponelli, a U.S. Army veteran from Newark who purchased a home through Loans for Heroes. “Loans for Heroes enabled me to purchase this home at an affordable price. Being a homegrown Delaware boy, I’m proud to have been able to buy my own home and have a permanent home base.”

“We understand the importance of honoring our veterans and as such want to ensure their successful transition into civilian life,” said DSHA Director Anas Ben Addi. “Loans for Heroes has been an important addition to our menu of homeownership programs designed to provide Delawareans with homebuying tools and bolster our state’s housing market.”

Qualified veterans can benefit from a reduction of one-half percentage point (0.50%) below the already low mortgage rate by financing through DSHA.  For example, a veteran purchasing a $200,000 home at the current rate of 2.5% could save up to $635.64 per year.

Loans for Heroes is available for veterans who have been separated from the military with a certificate of release or discharge from active duty under any condition other than dishonorable.  All borrowers must meet income criteria and homes must meet purchase value limits in order to qualify. Income criteria is based on thresholds set in accordance with the county in which the borrowers live and the number of members in their household. Individuals interested in accessing Loans for Heroes can contact a participating mortgage lender or visit DSHA’s website for more information:

Non-veterans wanting to purchase a home in Delaware can also take advantage of affordable mortgages with downpayment and closing cost assistance through DSHA’s range of homeownership programs. For more information on DSHA and its homeownership financing options, visit:

2012 Conference On Housing Hosted By DSHA And Governor Jack Markell: A Successful Discussion On All Things Housing

October 11, 2012 – Delaware State Housing Authority (DSHA) along with Governor Markell and their partners today held the 2012 Governor’s Conference on Housing. The event brought together over 400 housing professionals and residents from throughout Delaware and surrounding states to discuss important issues in housing ranging from homeownership, affordable rental housing, special needs populations and other hot topics. Attendees had the opportunity to discuss regional, state and local perspectives on today’s affordable housing climate, and the event provided strategies to address current and future housing needs.

“Under Governor Markell’s leadership, Delaware has made important progress as we work to help homeowners stay in their homes and heal our housing market,” said Shaun Donovan, Secretary of the U.S. Department of Housing & Urban Development, the conference Keynote Speaker.  “But even as homeowners begin to see the light at the end of the tunnel and emerge from this crisis, what makes Delaware unique is its ability to not just tackle the challenges of the crisis at hand, but to build the stronger, more inclusive communities we need in a 21st century global economy — and an economy built to last.”

“Affordable housing drives our economy and builds our communities,” said Governor Jack Markell.  “Homeownership not only needs to be affordable; it needs to be sustainable.  We are making sure we have the programs and policies in place to help people with any challenges in homeownership, home equity or rental housing.   We know how important it is to Delawareans to strengthen our housing market while ensuring people have access to affordable housing.”

Preeminent national economist Dr. David Crowe discussed national housing trends that impact the affordable housing industry in the opening plenary. Additionally, attendees had the opportunity to discuss a recent study released by the Delaware Housing Coalition that shows that assisted multifamily rental housing more often than not has a positive impact on home values in the neighborhoods in which they are located, contrary to what many have come to believe. The report also cited that the rehabilitation of existing multifamily rental properties can provide an immediate 20% positive movement in the value of surrounding homes, an effort that is a priority in DSHA’s mission.

“Housing is the cornerstone to providing working, viable communities and to building Delaware’s economy,” said DSHA director Anas Ben Addi.  “The topics covered today at the conference shed some light and brought some attention to the housing environment throughout the nation and how it affects us here in the First State.”

Topics covered at the conference ranged in scope from trends in housing including homeownership, special needs housing, multifamily housing and affordable housing to foreclosure and controlling affordable housing development costs. Additionally, Senator Tom Carper and Congressman John Carney joined Governor Markell and Secretary Donovan, as well as Van Gottel of, to address attendees during lunch. DSHA has worked closely with to launch, a free web-based service that allows landlords to provide details on their multifamily rental units and Delawareans to search for the home that fits their needs.

About the Delaware State Housing Authority

The Delaware State Housing Authority (DSHA), formed in 1968, is dedicated to providing quality, affordable housing opportunities and appropriate supportive services to low- and moderate-income Delawareans. In addition to its role as the State’s Housing Finance Agency, DSHA is unique in that it is also serves as a Public Housing Authority and acts as a Community Development and Planning Agency. As a Public Housing Authority, DSHA receives funding from HUD to build, own and operate public housing in Kent and Sussex counties, two of Delaware’s three counties. For more information about the Delaware State Housing Authority, please call: (302) 739-4263 or visit our website at:

FREE Website Links Renters and Landlords in Delaware

New Delaware-specific service lets users list and search housing in the First State for free

Dover, DE (September 28, 2012) – Governor Jack Markell, Delaware State Housing Authority, and their partners are pleased to announce the launch of a free housing locator website providing information about rental housing across the First State. – a web-based service supported by a toll-free, bilingual call center – lets landlords advertise properties free of charge, while renters can search for free to find rentals that fit their needs. The service was publicly announced today during a launch event led by Governor Markell and is funded through a partnership between DSHA, the Department of Health and Social Services, New Castle County, the City of Wilmington, Sussex County, the Delaware Apartment Association, and the United Way of Delaware.

 “Access to affordable housing is critical to our economy and to the strength of our communities,” said Governor Jack Markell. “We believe this service will help Delaware residents find the rental housing they need within their budget, within their time frame, and in the community where they want to live.” offers a wide range of property listings, including private market and assisted housing. Prospective tenants can search for housing according to specific needs, such as proximity to medical facilities, public transit, and schools. An accessible housing search helps locate units with accommodations such as no-step entry and accessible kitchen and bathroom features. Listings can be sorted by rent amount, ZIP Code, date available, and other key factors to make searching even easier. offers landlords 24-hour access to adding and updating their free property listings. Listings can highlight amenities in great detail and include photos.

 “We’re excited about the ability of this service to connect our residents to housing opportunities,” commented DSHA Director Anas Ben Addi. “We encourage property providers to take advantage of the free advertising and list vacancies on to help make this service as useful as possible to all Delawareans.”

 “For people with disabilities, that are moving from institutions back to their communities, or remaining in their communities, the largest barrier has often been the lack of available, affordable, accessible housing,” said Daniese McMullen-Powell, Money Follows the Person Outreach and Housing Administrator. “, offers a means to search for available housing opportunities that best match individual affordability and needs.” is powered by, a 501(c)(3) not-for-profit dedicated to serving the affordable housing needs of communities. Delaware joins an ever-growing network of regions using that currently spans 32 states.

 Residents can search and list on online 24 hours a day or call a toll-free, bilingual call center for assistance: 1-877-428-8844, Monday through Friday, 9 a.m. to 8 p.m. Eastern Time.