Appointments are held Monday thru Friday between the hours of 8:30 a.m. and
3:30 p.m.  (Later appointments are held only on a case by case basis).

We offer Face-to-Face Counseling Sessions:
Each session runs approximately 3 hours in length.

Clients must bring these documents to their first appointment:
Photo Identification, Tax Returns and W-2's from previous two years, One Month Paystubs, 12 months rental History, Bank Statements, Credit Card Statements, Monthly Expenses and A recent Credit Report.
& when they receive this information:
Mortgage Commitment Letter, Sales Agreement/Contract, Truth-in-Lending Statement, Good Faith Estimate, Home Inspection Report, Home Appraisal Report, HUD-1 Settlement Sheet.

Counselees will receive a certified housing counseling certificate at the discretion of the counselor.

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Copyright 2006, Housing Opportunities of Northern Delaware, Inc. Questions or comments, contact Gladys B.Spikes at 302-429-0794, 800-826-HOND or by e-mail at spikes@hond.org. Unauthorized copying, mirroring or duplication of this site without express written permission is prohibited.