Participant information
Entity Name: Oregon
Type of Recipient: State/DC
UEID: CJUQKQUXSCJ5
TIN: 930952117
DUNS+4: 809580293
FAIN Number: HAF0027
Address: 725 Summer St. NE, Suite B
City: Salem
State: Oregon
Zip: 97301-1266
Report Status: Submitted
Date Submitted: 11/15/2022, 6:04 p.m.
Submitted by: Ryan Vanden Brink, ryan.vandenbrink@hcs.oregon.gov
Certified by: Ryan Vanden Brink
Point of Contact List:
| Beth Brown | Assistant Director of Accounting
| beth.brown@hcs.oregon.gov
| ERA - Account Administrator; ERA - Point of Contact for Submission; ERA - Point of Contact for Reporting; ERA - Authorized Representative; ERA2 - Point of Contact for Submission; ERA2 - Point of Contact for Reporting; HAF - Point of Contact for Submission; HAF - Point of Contact for Reporting; HAF - Authorized Representative
|
Joass Lyatuu
| Senior Finance Policy Analyst
| joass.lyatuu@oregon.gov
| CRF - Authorized
Representative; ERA - Point of Contact for Reporting; ERA - Authorized Representative; ERA2 - Point of Contact for Reporting; ERA2 - Authorized Representative; HAF - Point of Contact for Reporting; HAF - Authorized Representative; SLFRF - Point of Contact for Reporting; SLFRF - Authorized Representative
|
Ryan Vanden Brink
| Asstistant Director of
Homeowner Assistance Programs
| ryan.vandenbrink@hcs.oregon.gov
| HAF - Account
Administrator; HAF - Point of Contact for Reporting; HAF - Authorized Representative
|
| Nathan Merrill | Data and Reporting Analyst | nathan.merrill@hcs.oregon.gov
| HAF - Point of Contact
for Reporting
|
Andrew Dennis
| Operations and Policy Analyst | andrew.dennis@hcs.oregon.gov
|
HAF - Point of Contact
for Reporting
|
Rachel Barber
| HAF Accountant
| rachel.barber@hcs.oregon.gov
|
HAF - Point of Contact
for Reporting
|
Mingyu Zhu
| Chief Financial Officer
| gaby.m.zhu@oregon.gov
|
|
Caleb Yant
| Deputy Director
| caleb.yant@oregon.gov
|
ERA2 - Authorized
Representative
|
Carol Wagner
| Grants Analyst
| carol.wagner@oregon.gov
|
ERA2 - Authorized
Representative
|
Heather Kessinger
| Point of Contact
| heather.kessinger@hcs.oregon.gov | |
Cassandra Cooper
|
Point of Contact
| cassandra.cooper@hcs.oregon.gov
| |
Community engagement and outreach
- Did you continue outreach to communities over the past 23 (Oct. 1, 2022 - Sept. 30, 2023)?
Yes
- Please quantify the total amount of funds spent on outreach.
$95,898.85
You identified the community-based organizations listed below in your HAF Participant Plan or a previous report. Please indicate whether or not you have performed outreach to these organizations using the checkboxes in the "Outreach performed" column.
Catholic Charities
| Community Organization
| X
|
X
|
Consulate of Mexico
| Community
Organization
| X
| X
|
Asian Pacific American Network of Oregon
| Community
Organization
| X
| X
|
Bridges
| Community
Organization
| X
| X
|
Condensed public meeting attendance list
| Community
Organization
| | X
|
Oregon Housing Alliance
| Community
Organization
|
| X
|
Governor's Racial Justice Council
|
Community
Organization
| | X
|
Oregon Manufactured Housing Advisory Committee
| Community
Organization
| | X
|
Farmworker Housing Development Corp
| Provider
| X
|
X
|
Legal Aid Services of Oregon
| Provider
| |
X
|
Elemental Law
| Provider
| |
X
|
Oregon Law Center
| Provider
| |
X
|
Oregon DOJ, Consumer Protection
| Provider
| | X
|
17 statewide homeownership centers providing housing counseling
| Provider
| | X
|
Performance goals
Help reduce serious delinquencies
| Mortgage Reinstatement
| Goal Met | | X
|
| Serve a substantial number of at-risk Oregonians | Mortgage Reinstatement
|
Goal Met
| |
X
|
Help prevent foreclosures
| Mortgage Payment Assistance
|
Goal Met
| |
X
|
See above goals
| Mortgage Payment Assistance
| On Track
| | |
See above goals
| Payment Assistance for
Homeowner’s Insurance
|
On Track
| | |
See above goals
| Payment Assistance for
Delinquent Property Taxes
|
On Track
| | |
Maintain SDI homeownership
| Mortgage Reinstatement
|
On Track
| |
X
|
See above goals
| Payment Assistance for HOA fees or liens
|
On Track
| | |
See above goals
| Payment Assistance for Down Payment Assistance Loans
|
On Track
| | |
Methods for targeting
- Please provide an update on your targeting plan including challenges successes, etc.
i. OHCS has targeted outreach using public communications and partnerships with organizations. ii. Leveraging resources from other programs and organizations, OHCS helped create a general foreclosure prevention and counseling campaign involving: a dedicated website; statewide media campaign focused on Spanish speaking, elderly Black, and rural homeowners; channeled referrals through 211. OHCS also completed: press release at the end of Oregon’s foreclosure moratorium; a series of bilingual Facebook Live events; housing fairs and Mexican consulate events; and created infographics explaining judicial and nonjudicial processes and homeowner protections and options.
iii. OHCS promoted HAF specifically through: agency webpage, announcements, virtual meetings, email communications, and public council meetings; a dedicated HAF website with online application link; funds for local outreach and enrollment clinics through community organizations; housing fairs and Mexican consulate events; organizations supporting wildfire victims; agency meetings with federally recognized Tribes; informational brochures for events; and direct mail campaigns to homeowners in foreclosure as identified by public notices.
iv. The OHCS HAF application portal is available in English and Spanish, with static Chinese, Russian, and Vietnamese coming soon. Google translate is available for other languages. OHCS grantees providing application assistance and its customer service vendor have bilingual (Spanish) and/or language line options available for limited English proficiency applicants.
v. Housing counseling: OHCS is funding partners to provide information to homeowners but not to provide foreclosure avoidance or housing counseling services. OHCS had two existing funding pools for this service, which still have funds available for the service.
vi. Legal services: OHCS granted a consortium of legal organizations to provide homeowner representation, operate a referral service for ineligible homeowners, and train housing counselors and attorneys on foreclosure prevention.
vii. Challenges: OHCS could better engage the federally recognized Tribes and community partners servicing Chinese, Russian, and Vietnamese populations, and homeowners with disabilities. Despite outreach, only a few partnerships have emerged.
viii. Successes: Using public notices to direct mail information to homeowners in foreclosure may be our most successful outreach activity for application intake. Sponsored by Oregon Consumer Justice, a coordinated statewide foreclosure prevention media campaign supported by a website, 211 call services, and counseling received significant traffic and response.
ix. Reference points: 97.5% of homeowners assisted were 100% AMI or below and 35% of homeowners assisted were SDI homeowners.
- Is the targeting plan put forth in the HAF Plan achieving the desired results?
Yes
Best practices and coordination
- Have you coordinated with any of these agencies (FHA, VA, USDA, GSEs, state or local agencies that hold mortgage portfolios)? If so, please provide best practices and information on coordination efforts.
- Yes. OHCS holds a mortgage portfolio. The agency initially intended to operate a pilot program through this portfolio. After consultation, based upon the portfolios of loans and the HAF homeowner needs assessment, OHCS decided to focus its pilot program on homeowners the most at-risk of foreclosure. Based upon this consultation and a review of the workout options available to federally related loan borrowers, OHCS has not coordinated with FHA, VA, USDA, or Fannie or Freddie directly. OHCS is serving borrowers with those loans.
- Have you coordinated with servicers? If so, please provide best practices and information on coordination efforts.
- Yes.
i. Keeping the lines of communication open and being available and responsive.
ii. Working in different ways with servicers, whichever way is preferable so we can get to the end goal, whether it's via email, phone or meetings.
iii. For foreclosures, checking in with servicers about postponements of sale dates. OHCS requests a postponement and servicers (and investors) want to receive status updates for where the file is and when payment can be expected.
iv. Many servicers share our HAF information with customers so they can apply and servicers sometimes give us a heads-up. They seem to be equally interested in helping their borrowers.
v. OHCS tries to give servicers notice when an applicant is getting to loan signing (our form of HAF assistance) where OHCS will need an updated Y record to make an accurate payment once loan documents are signed and received.
Certification
Statement
I certify that the information provided is accurate and complete after reasonable inquiry of people, systems, and other information available to the HAF participant. The undersigned acknowledges that any materially false, fictitious, fraudulent statement, or representation (or concealment or omission of a material fact) in this submission may be the subject of criminal prosecution under the False Statements Accountability Act of 1996, as amended, 18 USC 1001, and also may subject me and the HAF participant to civil penalties, damages, and administrative remedies for false claims or otherwise (including under 31 USC 3729 et seq.) The undersigned is an authorized representative of the HAF participant with authority to make the above certifications and representations on behalf of the HAF participant.
Did you earn interest in excess of $500 through the calendar year ending Dec. 31, 2021?
No
Did you remit the earned interest in excess of $500 as required by 2 CFR 200.305(b)(9)(ii)?