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Tax information
 
"Cancellations of Debt" or CODs as a result of a home foreclosure; formulas to calculate CODs:
www.irs.gov/newsroom/article/0,,id=174034,00.html
and www.irs.gov/faqs/faq4-4.html 


IRS 2013 Tax Tip Important Facts about Mortgage Debt Forgiveness
http://www.irs.gov/uac/Newsroom/Important-Facts-about-Mortgage-Debt-Forgiveness

Information for borrowers who obtained a home loan modification with a principal reduction.  
http://www.irs.gov/pub/irs-drop/rp-13-16.pdf

Tax Consequences of Participation in the Hardest Hit Fund and The Emergency Homeowners’ Loan Program:
www.irs.gov/irb/2011-11_IRB/ar06.html#d0e159


Federal tax liens for unpaid taxes:
www.irs.gov/businesses/small/article/0,,id=108339,00.html#Notice


Oregon Licensed Tax Consultants
http://www.oregon.gov/OBTP/pages/taxcon/tax_consultants.aspx

For property tax information in Oregon counties:
bluebook.state.or.us/local/counties/counties.htm

Real property foreclosure:
http://www.oregon.gov/DOR/PTD/IC_310_671.shtml

 
Department of Revenue - Tax Deferral Program
503-378-4988
http://www.oregon.gov/DOR/SCD/index.shtml
Frequently asked questions
 

 
Making Home Affordable
 
http://www.makinghomeaffordable.gov/
 
A to-do list for permanent modification:
http://www.youtube.com/watch?v=-pqBtoh0Q6A
 
Net present value evalution
https://checkmynpv.com
 
Construction or "mechanic's liens"   
Construction Contractors Board:
503-378-4621
www.oregon.gov/ccb
 

Mortgage payments rights information

 
Department of Housing and Urban Development (HUD)
www.hud.gov/offices/hsg/sfh/nsc/nschome.cfm 
 
Federal Trade Commission
Mortgage servicing publication
www.ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm 
 
Requesting your servicer correct errors template

Requesting information from your mortgage servicer template
 

Loan programs

 
Refinance for “underwater borrowers"
http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/10-23ml.pdf
 
Self-assessment tool Hope Loan Portal - See if you qualify
http://www.hopeloanportal.org/
 
Freddie Mac Standard Modification
http://www.freddiemac.com/singlefamily/service/docs/standard_mod_service_fact_sheet.pdf
 
Independent foreclosure review
http://www.independentforeclosurereview.com/


Information and Assistance for Service Members  
  
For Service Members whose loans are owned by Feddie Mac 
http://www.freddiemac.com/avoidforeclosure/military_assistance.html
  ​
 
Reverse Mortgages
To obtain information about Fannie Mae's HomeKeeper loan program please call
1-800-7Fannie (1-800-732-6643) or e-mail resource_center@fanniemae.com.
 
Home Equity Conversion Mortgages (HECM)
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/hecm/hecmhome
 

Department of Veterans Affairs foreclosure prevention
 
Information about the VA Making Home Affordable Program
http://www.benefits.va.gov/homeloans/scra.asp
 
Foreclosure prevention and loss mitigation videos
http://www.benefits.va.gov/homeloans/ondemand_vets_stream_video.asp
 
 
Fannie Mae foreclosure prevention  
 
http://www.knowyouroptions.com

 
Foreclosure counseling agencies 
 
Dial 2-1-1
www.211info.org
 
Foreclosure Hotline:
888-995-HOPE
(888-995-4673)
 
Credit scores
How short sales and foreclosure affects credit scores:
http://bankinganalyticsblog.fico.com/2011/03/research-looks-at-how-mortgage-delinquencies-affect-scores.html

Foreclosure scams

 
To report foreclosure scams:
State Attorney General Office:
877-877-9392
www.doj.state.or.us
 
Freddie Mac - Avoid Fraud
a video explaining how foreclosure scams work
www.youtube.com/AvoidFraud
 
Verify Oregon mortgage lender licensees/registration To verify a loan originator license
http://www4.cbs.state.or.us/ex/dfcs/LOReg/index.cfm
To verify a registered debt management service provider, including loan modification companies
http://www.dfcs.oregon.gov/debt_mgmt/registered_businesses.html
 

File a complaint against a lender
 
 
Banks
www.cbs.state.or.us/dfcs/complaint.html#banks
 
National banks
www.helpwithmybank.gov
 
Credit Unions
www.cbs.state.or.us/dfcs/complaint.html#cu
 
Mortgage companies
www.cbs.state.or.us/dfcs/complaint.html#ml
 
Consumer Financial Protection Bureau
www.consumerfinance.gov
 
Regulation B, Equal Credit Opportunity Act 
 
http://www.federalreserve.gov/boarddocs/caletters/2009/0913/caltr0913.htm
 
Other resources   
Housing Connections
www.housingconnections.org 
                    
The Division of Finance & Corporate Securities has a free publication for consumers "Foreclosure, you can avoid it." For a free copy, please contact 503-378-4140, 866-814-9710 (toll-free), or write to:

DFCS
Consumer Information Program
350 Winter Street NE, Room 410
Salem, Oregon 97301
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