Mortgage Payment Help

Oregon Homeownership Centers statewide provide numerous support services for homeowners. OHCS works with these local centers and other agencies to offer:

• COVID-19 Mortgage Relief
  
• Direct foreclosure prevention services
  
• Support services for homeowners
  
• Fixed income mortgage assistance
  
• Default mortgage assistance
  
• Reverse mortgage programs.
  
  

Resources

COVID-19 and Forbearance Resources

COVID-19 Consumer Alerts from the Federal Trade Commission

​

FreddieMac Single-Family: Help Starts Here

Guide to Exiting or Renewing COVID-19 Forbearance​​

Consumer Financial Protection Bureau (CFPB) Guides and How Tos:

​Step-by-Step Forbearance Video

Guides

 Help for Homebuyers​

Guide for Consumers on Seven Facts about Forbearance

Guide For Consumers on starting a Forbearance

Guide for Consumers for extending or exiting a Forbearance​

About the Bureau

The Consumer Financial Protection Bureau is a 21st-century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary or unduly burdensome regulations; by making rules more effective; by consistently enforcing federal consumer financial law; and by empowering consumers to take more control over their economic lives. 

Learn more at consumerfinance.gov.​

Homeowner Assistance Fund

​$90 million will be allocated to assist homeowners through the Homeowner Assistance Fund (HAF). HAF will open in phases, initially focusing on homeowners the most at risk of foreclosure or displacement and opening more broadly over time, planning to open to all eligible homeowners in the first half of 2022.​

​​

Find out more about the Homeowner Assistance Fund​.

​

Oregon Foreclosure Avoidance Program

Oregon's Foreclosure Avoidance Program​ lends a structured process for:

• 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
• Home​owners 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​ | en Español​

 Oregon Foreclosure Counselors | en Español

Oregon Homeownership Stabilization Initiative

The Oregon Homeownership Stabilization Initiative (OHSI) is closed and no longer accepting applications. If you still need a payoff statement, order it by emailing ohsi.payoffs@hcs.oregon.gov. The Payoffs Department is not available by phone. All email inquiries are processed in the order received. Please allow 48-72 hours for response time.

If you are a homeowner who has experienced severe financial hardships due to the COVID-19 pandemic, help may still be available. Talk to a housing counselor to explore all your available options. ​

Links and Resources

Additional foreclosure prevention resources are listed below:

​ Oregon Department of Justice, Foreclosure Prevention​

Foreclosure Resources, Homeownership Centers​​

Recursos para el Embargo Hipotecario​​​​​, Español​

Oregon Homeownership Centers

Oregon Law Help Legal Aid Offices

Oregon Law Foreclosure Timeline Flow Chart​​

External Link Disclaimer: This page contains links that will take you outside of the Oregon Housing and Community Services' website. OHCS does not endorse and is not responsible for the content of the linked websites.

Contact: