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Oregon Housing and Community Services (OHCS) is Oregon’s housing finance agency. We provide financial and program support to create and preserve quality, affordable housing. We primarily serve Oregonians of lower and moderate income.

OHCS has five divisions overseeing twelve sections. The sections administer over thirty-five federal and state programs. Read descriptions for each division below.

The Executive Director’s Office provides the leadership for the Department, and includes the Executive Director and executive support.​
​The Deputy Director's Office includes:
  • Budget Section
  • Business Services Section
  • Finance Section
  • Human Services Section
  • Information Services Section
OHCS’s Deputy Director's Office provides essential services to support the agency’s leadership. We also support our workforce to achieve the Department’s mission. Work performed in this section ensures accountability, transparency, and stewardship of resources.​
The Affordable Housing Finance Division serves as the state’s housing finance agency. OHCS provides financial support to create and preserve quality, affordable housing. We primarily serve Oregonians of lower and moderate incomes. The Division administers federal and state funded multifamily rental housing resources. These resources increase availability of safe, decent, affordable housing for low income Oregonians. This includes:
  • Developing new multifamily units
  • Acquiring and rehabilitating existing multifamily units
  • Supporting homeownership for low- and moderate-income Oregonians through single family programs
  • Long term maintenance of affordable multifamily housing through:
  • Asset management and compliance
  • Debt management
  • Foreclosure assistance under the Oregon Homeownership Stabilization Initiative (OHSI).​
The Homeownership Division is dedicated to assisting low to moderate income families. We do this by partnering with Homeownership Centers across Oregon. The Oregon Bond Residential Loan Program assists first time homebuyers. We offer competitive interest rate loans to help Oregonians buy their first home. Using mortgage revenue bonds, these loans increase first time homebuyer’s purchasing power.
OHCS offers funding assistance to our Homeownership Centers. We do this through the Homeownership Assistance Program (HOAP).  The program provides services to Oregonians looking for:
  • Financial counseling
  • First-time homebuyer education
  • Down payment assistance
  • Foreclosure counseling
These programs benefit low-income homebuyers. Often they might not otherwise have access to homeownership options. They also might not have access to traditional mortgage services.
The Oregon Housing Stabilization Initiative administers foreclosure prevention programs. They accomplish this through the Hardest Hit Funds (HHF).​
The Housing Stabilization Division (HSD) provides critical services to the lowest income Oregonians. We help them access safe, stable, and affordable housing options. Housing Stabilization addresses the many aspects of the needs that low-income Oregonians face. These include:
  • Affordable housing
  • Access to energy assistance
  • Connections to other services such as:
    • Health care
    • Education
    • Nutritious food​
HSD works with Community Action Agency partners and other partners to meet basic needs. HSD distributes federal and state resources to local partners. This enables local communities to provide a wide range of services and assistance. These services increase housing stability and access to opportunity. The Division also manages federal housing resources through the HUD Contract Administration section.​
Public Affairs is the Division that engages with the public, elected officials and stakeholders. OHCS’s Public Affairs Division includes:
  • Housing Integrators
  • Government Relations
  • Communications
  • Agency Rules Coordination
The Legislative and Communications Section engages directly with:
  • Members of the Oregon State Legislature
  • The Governor’s Office
  • The media
The Legislative and Communications Section:
  • Responds to requests for information
  • Directs the legislative work of the Agency
  • Helps coordinate implementation of legislation
  • Responds to media requests
  • Develops internal and external communication strategies
  • Produces all communications materials
  • Manages the Agency website and Intranet​


HR Customer Service
Phone: 503-986-3565