Get Assistance

Oregon Housing and Community Services will never ask you to pay a fee to apply or get information. If you have additional questions or need assistance with your application, please contact:  

Oregon Housing and Community Services
Phone: 833-604-0879
E-mail: HAF.homeowners@hcs.oregon.gov 
Hours: Monday to Friday, 9 a.m. to 4 p.m.

Key Resources

• Third Party Authorization form
• HAF Application TPA and Affidavits (DocuSign Packet)
• Profit and Loss Statement (Fillable PDF | PDF | Excel Spreadsheet)
• Quarterly Verification Form
• List of participating servicers (English | Spanish)
• Two-page overview of the Foreclosure Process: Judicial and Nonjudicial
• Area Median Income Charts (Spanish | Chinese | Russian | Vietnamese​)

*For homeowners of low or moderate income who need assistance in languages other than English, contact a homeownership center, which can provide translation services.

Some homeownership centers are offering assistance with the HAF application process. See our list of HAF intake partners.

Watch out for scams and solicitations that mention the HAF program or loan. Homeowners have reported receiving misleading communications from companies such as LeadPros and US Home Guard. These companies use public records information to try to sell their services to homeowners. Their communications appear to come from OHCS, but OHCS has no affiliation with these entities. If you have questions, please email haf.homeowners@hcs.oregon.gov.

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. 

Other Mortgage Relief Options

• Freddie Mac loss mitigation options
• Fannie Mae payment deferral and disaster relief options
• Veterans Affairs forbearance FAQ
• Federal Housing Administration (FHA) avoiding foreclosure information
• Rural Development COVID-19 Response

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. 

Legal Aid

The Oregon Homeowner Legal Assistance (OHLA) project provides free or reduced-cost legal services to low- and moderate-income Oregonians who may be at risk of losing their homes due to economic factors caused by the COVID-19 pandemic. Homeowners can apply for legal assistance by calling OHLA toll free at 855-503-2598. Each applicant’s case will be screened for eligibility. Some eligible homeowners will receive services directly from OHLA, while others will be referred to attorneys who will offer a free initial consultation. Those attorneys will then provide legal services at a reduced cost as agreed to with the homeowner. OHLA conducts interviews for assistance between 9 a.m. and 5 p.m. Monday through Friday and can assist borrowers in English and other languages using interpreters.

Other Legal Resources

OHCS cannot advise on legal matters. For questions related to housing issues, please contact one of the following organizations: 

• Oregon Legal Aid Offices by County 
• Oregon State Bar 

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)