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Mortgage Payment Help

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



Guide to Exiting or Renewing COVID-19 Forbearance​

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

Step-by-Step Forbearance Video


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Bureau is a 21st-century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary or unduly burdensome regulations; by making rules more effective; by consistently enforcing federal consumer financial law; and by empowering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

The HAF program is winding down. Homeowners in foreclosure may be eligible to submit applications through a HAF intake partner. Intake partners may require their own application documents and completion of free foreclosure avoidance counseling. Submitting or having an application reviewed does not guarantee funds will be available, because the program may be overallocated.​

Find out more about the ​Homeowner Assistance Fund​.

If you received HAF funds and need a payoff statement, order it by emailing​.

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

​Oregon Foreclosure Avoidance Program FAQ​ (en Español​)

Foreclosure Resources (en Español​​)

The Oregon Homeownership Stabilization Initiative (OHSI) is closed and no longer accepting applications. If you still need a payoff statement, order it by emailing 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.


Oregon Foreclosure Avoidance Program
Program Analyst