Mortgage Payment Help

For COVID-19 Mortgage Relief Information, see resources below.

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
  
• Support services for homeowners
  
• Loan modifications
  
• Fixed income mortgage assistance
  
• Default mortgage assistance
  
• Reverse mortgage programs.
  
  

Resources

COVID-19 Mortgage Relief Resources

​ Video: COVID-19 Mortgage Forbearance: What You Need to Know

CARES Act: Support for Homeowners

Acto de Care: Apoyo para Propietarios de Viviendas

Coronavirus and Your Mortgage

COVID-19 Consumer Alerts from the Federal Trade Commission

Your Rights to Forbearance and Foreclosure Projection​

Consumer Financial Protection Bureau

FreddieMac Single-Family: Help Starts Here

COVID-19 OIG Bulleting FHA Forbearance Guidance

Office of Inspector General

​COVID-19 Foreclosure Prevention and Mortgage Relief Guidance​​

National Housing Law Project

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 two 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
  

Oregon Homeownership Stabilization Initiative

Whether your financial situation has just changed recently or you have been struggling for a while, the Oregon Homeowneship Stabilization Initiative (OHSI) program is here for you. Our mission is to help you keep your home—now and for the long term—through life’s ups and downs. 

OHSI helps Oregonians who are behind on their mortgage or property tax payments. We also offer support people who are living on a fixed income or received a default notice on a reverse mortgage.

OHSI program descriptions and eligibility details are here.​​

​OHCS Advisory Board
Oregon Affordable Housing ​Assistance Corporation (OAHAC)​

Links and Resources

Additional foreclosure prevention resources are listed below:

2-1-1 Foreclosure Resources

​Oregon Department of Justice, Foreclosure Prevention​

Foreclosure Resources, Homeownership Centers​​

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

Legal Aid Foreclosure Prevention Help, legal assistance

Guide: Help for Struggling Borrowers: Mortgage Servicing Rules​

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.

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