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
Hours: 8 a.m. to 5 p.m.
- Downloadable Application Guide with information on the program and how to apply
- HAF program overview and phases eligibility fact sheet | en Español
- Checklist of documents you’ll need to apply
- 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)
- Video: Facebook Live held in English and Spanish
- Two-page overview of the Foreclosure Process: Judicial and Nonjudicial
- HAF Fact Sheet (Spanish | Chinese | Russian | Vietnamese)
- 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.
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.
- 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
Phone Number (available 24/7): 211 or 866-698-6155
Text your ZIP Code to 898211 (TXT211)
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.
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:
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)
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 one of the following:
- Website: www.lighthouse-services.com/hcs.oregon
- Anonymous Reporting App:
- Detailed app instructions: download here
- Keyword: hcs.oregon
- Toll-Free Telephone:
- English-speaking USA and Canada: 833-214-6434
- Spanish-speaking USA and Canada: 800-216-1288
- Spanish-speaking Mexico: 01-800-681-5340
- French-speaking Canada: 855-725-0002
- Contact us if you need a toll-free number for North American callers speaking languages other than English, Spanish, or French
- E-mail: email@example.com (must include company name with report)
- Fax: 215-689-3885 (must include company name with report)
- U.S. Department of the Treasury: Visit the Office of the Inspector General website for more information.