When Podbreger was able to return to her home, the only thing that had survived was a cast-iron cooking pan. She had lost not only her home, but also the keepsakes that belonged to her late mother and the mementos from her own childhood.Over the next five years, Podbreger and her family moved from one challenging rental situation to another. While she was grateful to have a place to stay, the constant uncertainty was difficult, and she began to lose hope that she would own her own home.
That changed in the fall of 2025, when she learned about
ReOregon’s Down Payment Assistance program through a recovery newsletter. The program provides forgivable loans to help cover down payment and closing costs for first-time homebuyers impacted by the 2020 wildfires.
Podbreger immediately applied and received enough assistance to cover the down payment on her 1,692-square-foot, three-bedroom home. She officially closed on the home in April 2026.
“It’s surreal,” Podbreger said. “I keep having to remind myself, ‘I’m a homeowner now. I’m a homeowner.’”
She has already started clearing the backyard to plant a garden filled with watermelon and zucchini, and her daughter finally has enough space to get the bearded dragon she has always wanted. More than anything, Podbreger loves the kitchen and is looking forward to baking again and getting her business, The Frosted Whisk, back up and running. First on her list is creating a custom cake for her grandson’s birthday.
“This is such a blessing. I never would have had this opportunity without the program,” Podbreger said. “Thank you. Just thank you.”
For more information about ReOregon’s Down Payment Assistance program and other recovery support, visit:
re.oregon.gov or call the ReOregon Call Center at 877-510-6800 or 541-250-0938.
OHCS wants to ensure that everyone has access to its information and programs. If you would like this information/form/publication in a different language, please email Language.Access@hcs.oregon.gov.