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Mortgage Payment Help

Oregon Homeownership Centers statewide provides 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.


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 Foreclosure Avoidance Program FAQ​

Resursos ​para evitar el embargo​

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​

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.


Oregon Foreclosure Avoidance Program
Program Analyst

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