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The HUD Wilmington Field Office provides referrals for HUD-subsidized Section 8 and public housing apartments throughout Delaware. Continuum-of-Care referrals are made to nonprofit service providers for those in need of comprehensive, personal rehabilitation services that take some clients from homelessness to full time employment. Preparation for home-ownership is achieved through local nonprofit groups that provide housing counseling services. HUD-owned homes are available for sale at slightly reduced prices. HUD- insured FHA mortgages create substantial savings over the life of a loan. For questions about HUD insured FHA mortgages, call the FHA Resource Center.  Staff who man the Housing Discrimination Hotline listed above explain fair housing rights and investigate complaints about alleged housing discrimination.