Homeowner Assistance Fund

OHCS has received $90 million from the U.S. Treasury to assist homeowners through the Homeowner Assistance Fund (HAF)

Before requesting assistance through HAF, we ask that homeowners contact their servicer and/or a free housing counselor about immediate options. There are many viable options available through your servicer for most Oregon homeowners. HAF may not be the best option for homeowners and obtaining HAF assistance may prevent you from taking advantage of other options. You can locate a housing counselor using the list of HAF intake partners at the bottom of this page.

Am I eligible to apply? Please review our HAF program website at oregonhomeownerassistance.org. If you meet the eligibility requirements, you may submit an application online or with the assistance of a HAF intake partner. Please only submit an application when you are eligible to apply because homeowners who apply before the right time are withdrawn and cannot re-apply for 90 days. 

If you received HAF funds and need a payoff statement, email haf.payoffs@hcs.oregon.gov.

Video: HAF Facebook Live session in English and Spanish

Resources for Homeowners

HAF Application Materials

Below are some resources about HAF:

HAF Application Materials

Below are some resources for homeowners who are most at risk of entering into foreclosure:​

• Homeowner Assistance Fund website (in multiple languages)
  
• ​ Third Party Authorization fo​rm in both Engli​sh​ and Spanis​h
  
• HAF Fact Sheet (Spanish | Chinese | Russian | Vietnamese)​​
• Area Median Income ​Charts (​Spanish | Chinese | Russian | Vietnamese​)​
  
• Profit and Loss Statement:
  
• ​Fillable PDF | Spanish​
  
• PDF | Spanish​
  
• Excel | Spanish​
  
•  List of enrolled s​ervic​ers​ who can participate in HAF​​ (English | Spanish)
  
• Quarterly Verification Form​​​
  

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Treasury Guidance

After completing stakeholder and public engagement and making revisions based upon additional U.S. Treasury guidance, Oregon Housing and Community Services (OHCS) has submitted the HAF Plan and draft program terms below. 

Mortgage Reinstatement Program Submission
 Forward Payment Assistance Program Submission
 HAF Plan Submission​

​ HAF 2022 Annual Report

 HAF 2023 Annual Report​

Based upon Oregon's needs analysis and feedback, Oregon will offer 1) a mortgage reinstatement program (to bring mortgages current) and 2) a forward payment assistance program (to help homeowners with ongoing financial hardship). Please note that these proposed program terms must be approved by the U.S. Treasury and are subject (and likely) to change based upon the U.S. Treasury's response. OHCS will provide an update once the program terms are finalized.

In late November 2021, the U.S. Treasury provided the below feedback and questions on Oregon's submitted HAF Plan and program terms. OHCS is working on responses and revisions to the plan and program terms to obtain approval from U.S. Treasury.​

US Treasury Feedback​

June 17, 2021 - Public Meeting #1

​​​​Join Us - HAF Meeting Invite

Powerpoint Slides ​

Meeting Recording

July 1, 2021 - Public Meeting #2

Join Us - HAF Meeting Invite​

Meeting PowerPoint​

​Meeting Recording​

Resources for Housing Counselors

HAF Intake Partners

The following homeownership centers offer assistance with the HAF application process*:

*If you don’t see your county listed, please contact the nearest organization to you.