| 2 | HMFC | | | - Communicating with the lender
- Submitting financial documentation to the lender
- Working with a financial counselor
- Meeting with the lender in person with a facilitator at a neutral location
This program is available for these types of homeowners:
- Homeowners who have received a "Notice of Resolution Conference" from their lender
- Homeowners who are behind on their loan obligation
- Homeowners in financial hardship and wish to request a resolution conference with their lender
- Any homeowner who can't make their mortgage payment.
 Oregon Foreclosure Avoidance Program FAQ
Resursos para evitar el embargo
| Oregon Foreclosure Avoidance Program |
| 4 | HMFC | | | The Oregon Homeownership Stabilization Initiative (OHSI) recently opened a COVID-19 Mortgage Relief program to help Oregon homeowners who have fallen behind on their mortgage during the pandemic. Funding is limited, and homeowners are encouraged to apply as soon as possible.
If you have suffered a financial hardship and have fallen behind on your mortgage, we may be able to help in the form of a five-year forgivable loan recorded as a mortgage on your property. Find out more about the COVID-19 Mortgage Relief program and eligibility details at www.oregonhomeownerhelp.org
| Oregon Homeownership Stabilization Initiative |
| 5 | HMFC | | | | |
| | IMPROVE | | | Restore Health and Safety Program
Qualified organizations administer the Restore Health and Safety Program Funds. They determine program requirements for individuals and families. This includes funds for Veterans with a focus on underserved populations.
The program provides financial assistance to homeowners to repair and modify their homes for better health and safety.
The program includes repairs that affect the house structure and/or repairs that are attached to the house. Services available through this program will include, but are not limited to:
- Accessibility/adaptability modifications
- Updates to code compliance
- Emergency repairs
- Repairs for structural integrity
The program receives funds from the state Document Recording Fee (DRF). We use these funds to assist Oregon homeowners who are at risk of living in unhealthy homes. Or who are subject to potential displacement due to health and safety concerns. This allows homeowners to enjoy the benefits of residing in habitable, safe, healthy, and sustainable homes.
OHCS partners with local community action agencies who administer home weatherization programs.
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| | IMPROVE | | | | |
| | IMPROVE | | | Eligibility requirements vary from program to program. Eligibility depends on income level, homeowner age, type of property, or property location.
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| | IMPROVE | | | Low income households can apply with their local community action agency for home weatherization repairs. Find Local Help
Also, reach out to other federal, state, or county government agencies. Many administer their own home improvement programs. Traditional lenders actually make the loans. These government programs help these lenders make loans that they might not normally fulfill. Grants are available depending on your income level and remaining work needed.
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| | IMPROVE | | | Tips for Hiring a Contractor Finding a good contractor to do repairs and improvements to your home is important. The Federal Trade Commission (FTC) provides resources and tips on hiring a contractor. These include questions to ask and how to report problems.
Watch Out for Utility Lines Before You Dig - Call 811 Before digging on your property, call 811. Utilities will come out to mark the area. This helps you avoid damaging or injury by underground utility lines. The timing for processing your request differs from state to state. Some states allow for an online digging request.
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| 2 | HO-NOFA | | |
LIFT Homeownership NOFA (#2021-3) serves to fund the creation of new affordable homeownership units with a deliberate focus on equity and racial justice.
NOFA materials, important dates, and information can be found HERE. Questions regarding this NOFA should be submitted to HONOFA@oregon.gov
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| 3 | HO-NOFA | | | | |
| 1 | HMFC | | | | |
| 1 | HO-NOFA | | | | |
| 1 | haf | | | | |
| 2 | HAF | | | | |
| 3 | HAF | | | Oregon Housing and Community Services is administering this program on behalf of the state and is seeking feedback on a draft needs analysis and program terms for 1) a mortgage reinstatement program and 2) a forward payment assistance program. The materials can be accessed using the links on this page.
HAF Mortgage Reinstatement Program Draft HAF Forward Payment Assistance Draft
HAF Needs Analysis Draft
All interested persons may submit their feedback regarding the draft needs analysis and/or program terms to Oregon Housing and Community Services at HCS.HAF@Oregon.gov .The deadline for comments is 3:00 PM on Friday, July 23, 2021. All interested parties are welcome to participate.
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