Resources
Get Assistance
Oregon Housing and Community Services will never ask you to pay a fee to apply or get information. If you have questions, please contact:
Oregon Housing and Community Services
Phone: 833-604-0879
E-mail: hcs.payoffs@hcs.oregon.gov
Hours: 8 a.m. to 5 p.m.
More Mortgage Relief Options & Assistance
The Oregon Homeowner Assistance Fund is not the only way to get mortgage relief or assistance. If you need other types of assistance or have mortgage relief questions, contact your mortgage servicer, 211, or a local Oregon housing counselor for more options.
Contact 211
Phone Number (available 24/7): 211 or 866-698-6155
Text your ZIP Code to 898211 (TXT211)
Email: help@211info.org
Hours: 9 a.m. to 5 p.m. Monday-Friday
Find a Local Housing Counselor
Housing counselors are knowledgeable, dedicated, and experienced professionals who are certified and specialized in helping homeowners in various stages of the housing experience. You can meet one on one with a free housing counselor to discuss your personal situation and your loss mitigation options (steps to avoid disclosure). The counselor also can advocate on your behalf with a mortgage servicer. Search our full list of housing counselors by county.
Tax Information
The Internal Revenue Service (IRS) published guidance that says assistance payments made to homeowners under the American Rescue Plan Act’s Homeowner Assistance Fund are not considered gross income for federal tax purposes but qualify as disaster relief payments. Revenue Procedure 2021-47 also provides guidance on how to manage your mortgage interest deductions if you receive assistance. Oregon Housing and Community Services anticipates the IRS will add this guidance to the Home Mortgage Interest Deduction and Tax Information for Homeowners publications for use in preparing 2021 and subsequent returns.
Program participants are responsible for understanding the tax implications outlined in the guidance. Oregon Housing and Community Services cannot provide tax advice. For more information, contact the IRS or a tax professional.
Legal Aid
The Oregon Homeowner Legal Assistance (OHLA) project is closed an unable to take any referrals. Please see the other legal resources below for help in your area.
Other Legal Resources
OHCS cannot advise on legal matters. For questions related to housing issues, please contact one of the following organizations:
Other Resources
To file a complaint against your mortgage company or mortgage servicer, you can file a complaint with the Division of Financial Regulation at Division of Financial Regulation : File a complaint.
To check whether a company offering foreclosure relief services is properly registered as a debt management service provider with the Division of Financial Regulation go to Consumer Access (nmlsconsumeraccess.org).
- How to avoid foreclosure
- Mortgages key terms | Consumer Financial Protection Bureau
- Know your rights: Your mortgage servicer must comply with federal rules
Foreclosure Relief Scams
If you believe you have been solicited for, or have been victim to, a foreclosure relief scam, file a complaint with the Division of Financial Regulation at Division of Financial Regulation : File a complaint.
- Division of Financial Regulation : Financial Resources
- How to spot and avoid foreclosure relief scams (consumerfinance.gov)
Report Fraud
If you suspect fraud or misrepresentation of the Oregon Homeowner Assistance Fund, report your concern to us for immediate review. We reserve the right to decline funding or participation if it is determined that fraud has occurred.
Report fraud to:
- Oregon Housing and Community Services: Submit suspect behavior using our fraud incident report form in English and Spanish.
- U.S. Department of the Treasury: Visit the Office of the Inspector General website for more information.