Delta M. Payne, Certified Financial Counselor, is dedicated and passionate in helping people meet their financial goals. Over the last 28 years she has helped hundreds of people avoid and comeback from financial hardships. In 2010, she was elected "Counselor of the Year" by the National Federation of Housing Counselors.
Phone: (202) 488-5400 ext. 1865
Mail: Attn: Delta Payne c/o Democracy FCU,
200 Independence Avenue SW, 2nd Fl., Washington, DC 20201
Prior to your first Financial Counseling appointment, please print and complete the full Intake Packet and submit to Financial Counselor Delta Payne.
"The financial counseling services I received through Democracy Federal Credit Union's program helped me repair my credit and achieve a higher credit rating. Mrs. Delta Payne's knowledge, experience and great customer care is greatly appreciated. I highly recommend the financial counseling program to other DFCU members so they may experience the great customer care that was bestowed upon me." - Larry M., Member for 11 years
"I am pleased to state the discrepancies were removed from my file with her help and caused my credit report and scores to improve tremendously. Mrs. Payne is phenomenal at what she does at Democracy Federal Credit Union! She helped me and I am living again! Thank you to Mrs. Delta Payne!" - Adam L., Member for 3 years
Wherever you may be in the home buying process, we're ready to help!
You will learn how to establish and improve creditworthiness, set and achieve income goals, and save to cover down payment and closing costs. We will also teach you the requirements and responsibilities of homeownership before you make the financial commitment.
We work with you on your financial situation and provide additional information on record keeping, budgeting, home maintenance and repairs, what to do if you fall behind on mortgage payments and much more. The goal is to set up homeowners in steady financial positions to empower them to avoid future late payments and/or foreclosure.
Do you know the warning signs of foreclosure? Are you struggling to pay your mortgage or already received a foreclosure notice? We can help! We want you to keep your home and can help guide you through resources for your specific circumstances.