Am I Eligible for This Program?

As the program winds down, the Homeowner Assistance Fund helps homeowners who are actively in foreclosure or the most risk of housing displacement.

General Eligibility Criteria

In order to apply, homeowners must meet the general eligibility requirements listed below. General eligibility includes homeowners who meet the following requirements: 

1. You’re living at the property as your primary residence. An exception may apply if you were displaced by a state-recognized natural disaster or a casualty loss (sudden or unexpected event, like a fire) and plan to return to the property.
2. The property is a one- to four-unit residential property, condominium, manufactured home, or floating home.
3. You’re listed as a borrower on the mortgage or are the owner of the property. Please note: If an estate or deceased individual is an owner; you’re using a power of attorney, trust, or other entity; or there are others on the title that don’t live at the property, you may have title issues that delay the application or result in a denial if you’re not an owner. However, you may be eligible for legal help regarding owner title issues through the Oregon Homeowner Legal Assistance project.
4. You experienced financial hardship (either a reduction in income or increase in living expenses) due to the coronavirus pandemic after Jan. 21, 2020.
5. Your original mortgage principal balance must be at or below the Federal Housing Finance Agency conforming loan limits in place on the date you entered into your mortgage.
6. Your mortgage cannot be an open home equity line of credit (HELOC). OHCS will verify that any line of credit is closed.
7. If you have a mortgage, your mortgage servicer must be enrolled in the OHCS Homeowner Assistance Fund program. To confirm if your mortgage servicer or housing expense entity has been enrolled in the program, view our list of participating servicers (English | Spanish). OHCS will only request to enroll your mortgage servicer twice.
8. For the Past-Due Payment Relief program:
   • You’re behind on your housing payments. If you’re seeking assistance with just your county property taxes, you’re at least two years past due on your property tax payments.
   • The total post-due amount on your mortgage or other housing costs must be less than $50,000 at the time your application meets the minimum requirements and is submitted for processing. If you owe more than $50,000, as determined by OHCS and/or your servicer or housing cost provider, your application will be denied. Note: OHCS can work with eligible homeowners who have proof of cash available in an account to pay the difference between the $50,000 HAF reinstatement limit and the total amount past due. In some cases, OHCS can work with eligible homeowners who are in Chapter 13 bankruptcy and owe more than $50,000. OHCS cannot work with homeowners who are seeking a HAF contribution to a modification or repayment plan.
   • You must be at or below 150% area median income or 100% of the median income for the United States, whichever is greater. (See chart | Spanish | Chinese | Russian | Vietnamese).
   • You don’t have enough liquid assets to pay the past-due amounts and bring your housing costs current. Liquid assets include all cash, bank accounts, and investment accounts, excluding retirement accounts and 529 college plans.
   • You must be able to afford your housing costs. Your housing expense to gross monthly income ratio must be 43% or less. If your monthly housing costs are $860 and your income is $2,000, your ratio is 43% ($860 / $2,000 = 0.43).
9. For the Ongoing Payment Relief program:
   • Homeowners must be at or below 100% area median income or 100% of the median income for the United States, whichever is greater. (See chart | Spanish | Chinese | Russian | Vietnamese).
   • You don’t have enough liquid assets to pay three months of your current housing costs. Liquid assets include all cash, bank accounts, and investment accounts, excluding retirement accounts and 529 college plans.

Note: OHCS does not provide assistance for homeowner’s insurance unless that cost is part of your escrow charges in your monthly mortgage payment.

There are other general eligibility requirements that apply to certain applications, mortgages, or personal situations. If these pertain to your application, you will be informed during the application process.

Additional Eligibility Criteria

Homeowners who meet the general eligibility criteria above and where one of the following additional eligibility criteria applies may submit new applications until Oct. 31, 2024. Please note that meeting the criteria on this website does not guarantee HAF approval. Remaining funds are very limited and when they run out, any pending applications will be denied or paused subject to any funds becoming available. Homeowners who have other default workout options are advised to take those options.

• Nonjudicial Foreclosure. You received a Trustee’s Notice of Sale with a scheduled sale or auction date, sent by a third-party trustee or law firm.
• Judicial Action. You were served with a summons and complaint for foreclosure, repossession or “replevin” of a manufactured home, action on a land sale contract, or eviction from a manufactured home park.
• Property Tax Foreclosure. You received a county notice of tax foreclosure (after three years delinquency) or are in the post-foreclosure redemption period before the county takes title to your property. In rare cases, HAF can help a homeowner redeem the property after it has been deeded to the county.
• Certificate of Compliance. You received a certificate of compliance from the Oregon Foreclosure Avoidance program. Servicers or lenders typically initiate this process. The certificate allows them to initiate a foreclosure if a servicer resolution is not available. Note: This certificate does not mean a homeowner will be approved for HAF. HAF does not recommend a homeowner initiate this process because they can place themselves at immediate risk of foreclosure and limit their options.
• 30-Day Pre-Foreclosure Notice with No Workout Option. You received a 30-day notice of intent to accelerate your mortgage and your housing counselor certifies that you have no mortgage workout options. This option is only available to homeowners who have completed foreclosure avoidance counseling with one of HAF’s intake partners. Foreclosure avoidance counseling is a separate process administered by the intake partner.
• HOA or Condo Association Collections. You are in default on your HOA or condo association dues and your account has been referred to collections by an attorney or third party, you have received a notice or threat of lien recording, or your association account is in foreclosure.
• Land Sale Contract Notice of Default. You received a statutory notice of default providing 60-120 days to cure a land sale contract default before the seller records an affidavit of forfeiture.
• Manufactured Home Loan Final Demand. You received an official notice with a timeline to cure a manufactured home loan default, typically when the personal property loan is 90+ days delinquent.
• Manufactured Home Lot Rent “10-Day Notice.” You received an official notice that your landlord may begin eviction after 10 days.
• Manufactured Home Personal Property Tax Delinquency. Whether or not you are in county tax foreclosure, you are at least three full years behind on your personal property tax assessments. This applies mainly to homeowners who rent the space in a manufactured home park where their manufactured home is located.
• Bankruptcy Has Paused a Foreclosure. You declared bankruptcy to stop a nonjudicial or judicial foreclosure action and the foreclosure action has not been dismissed or resolved. The intake partner and/or HAF will verify this with your mortgage servicer before an application is submitted or authorized to proceed to underwriting.

Homeowners in foreclosure may also work with a free HAF intake partner to evaluate their workout options and to submit a HAF application. While working with an intake partner is free for the homeowner, please know that HAF intake partners may not be able to accommodate last-minute requests, will require their own intake paperwork, and may require completion of foreclosure avoidance counseling.

HAF intake partners can also represent homeowners in the pre-foreclosure Oregon Foreclosure Avoidance mediation program where a homeowner meets with their servicer to explore workout options. Homeowners are encouraged to take any servicer workout option available because HAF funds may be fully allocated and are intended as a last resort. Servicers or lenders typically start this process, and the program has helped many homeowners. However, it is best to wait for a servicer or lender to start the process; if a homeowner initiates the process too early, they can increase the risk of foreclosure and limit their options.

Do you meet these criteria? See How to Apply.