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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.


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 (OHSI) Website link
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.

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.


COVID-19 Mortgage Relief Program
Oregon Homeownership Stabilization Initiative
Operations and Policy Analyst
Oregon Foreclosure Avoidance Program
Program Analyst

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