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Oregon Housing and Community Services

Mortgage payment help

Homeownership centers

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

  • Forebearance resources
  • Direct foreclosure prevention services
  • Support services for homeowners
  • Fixed-income mortgage assistance
  • Default mortgage assistance
  • Reverse mortgage programs

Resources

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FreddieMac Single-Family: Help Starts Here

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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​
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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Bureau is a 21st-century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary or unduly burdensome regulations; by making rules more effective; by consistently enforcing federal consumer financial law; and by empowering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.​

The Homeowner Assistance Fund (HAF) application portal is closed and no longer accepting applications.

Find out more about the ​Homeowner Assistance Fund​.

If you received HAF funds and need a payoff statement, order it by emailing haf.payoffs@hcs.oregon.gov​.​

Oregon's Foreclosure Avoidance Program​ partners with many state agencies and nonprofit organizations to provide free and low-cost resources and help to Oregonians struggling as a result of foreclosure.

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. ​

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

Oregon Foreclosure Avoidance Program

Email: HO.Programs@hcs.oregon.gov