If someone promises to help you negotiate with your lender to lower your home loan payments or save your house, STOP! Oregon law limits upfront fees in most cases and requires companies to be licensed. Call 866-814-9710 to verify a license. For more information, click here.

Obtaining a loan modification is one way to avoid foreclosure and stay in your home; however, the process can be challenging for homeowners. Whether you apply for a loan modification with the assistance of a counselor or you decide to do it yourself, there are crucial steps you should take to increase your chances of success. Click on the link below for the steps.

Nonprofit organizations are holding events and workshops to help homeowners facing foreclosure. For a list of events, click on the link below.

HUD-approved foreclosure prevention counselors provide free help to Oregonians facing foreclosure. Call 2-1-1 or click below for a list of counselors in your area.

You can make your mortgage payments more affordable through the Obama administration's Making Home Affordable Program. By clicking on the link below, you can find out if you're eligible for the program and request a loan modification. If you need assistance completing the forms or have questions about the process, free help is available by calling the Homeowner's HOPE Hotline at 1-888-995-HOPE (4673) and asking for MHA Help.

Foreclosure is the legal means your lender can use to take your house if you are in default. The foreclosure process can be confusing for many homeowners; learn how it works.

The Oregon Legislature recently passed laws to help homeowners facing foreclosure in Oregon. Click on the link below for more on those laws and the statutes that cover mortgage lending.

Tenants can be affected if the home they are renting is facing foreclosure. The link below provides information for renters.

Read the latest mortgage and foreclosure news, including announcements about new programs for homeowners.

A resources list on taxes, loan programs, mechanic's liens, mortgage payments rights, and filing a complaint against a lender. You can download and view the publication "Foreclosure - you can avoid it." in English and Spanish.