When Can I Apply?

Oregon Housing and Community Services is working to assist homeowners at risk of losing their homes, giving early priority to those most at risk of foreclosure or who have the fewest loss mitigation options.

Homeowners who meet the general eligibility requirements above may only apply for the Oregon Homeowner Assistance Fund during the phase that applies to their situation. If your application is submitted before you are eligible, it will be withdrawn and you will need to reapply during the correct phase to ensure the application contains up-to-date information.

All dates below are subject to change. Please check back regularly to ensure you meet the current phase criteria before submitting your application. Answer our prequalification questions in English or Spanish to find out when you are eligible to apply.

Now Accepting Phase 1 – 3 Applications

Homeowners who meet the general eligibility requirements above and one or more of the following criteria may apply during these phases.

• Homeowners in active foreclosure (sheriff’s sale date, judicial case, notice of default with sale date).
• Unemployed homeowners who have exhausted their unemployment benefits (or are unemployed and do not qualify for unemployment benefits) and did not qualify for any servicer loss mitigation options that would let them keep their home.
• Homeowners with chattel loans (for manufactured homes) and land sale contracts in default and at risk of foreclosure.
• Homeowners who are in the property tax redemption period after their past-due property tax lien has been foreclosed by the county. The redemption period is the amount of time allowed to pay off back taxes, plus interest and fees, after a tax lien foreclosure.
• Homeowners who received a certificate of compliance from the Oregon Foreclosure Avoidance program. The certificate allows the servicer or beneficiary to initiate a foreclosure within one year.
• Homeowners with private mortgages or Individual Tax Identification Number (ITIN) loans that are 120+ days delinquent and at risk of foreclosure.
• Homeowners receiving Disaster Unemployment Assistance benefits.
• Seniors with reverse mortgages (whether or not Home Equity Conversion Mortgages, or HECMs).
• Homeowners with loans in default where HUD is the beneficiary 
• Homeowners traditionally underserved or less able to recover, including those who are: 
  • Elderly (62+) 
  • Living with a disability (with proof of benefits)  
  • Rural (determined by ZIP Code) 
  • Socially disadvantaged individuals (defined by the U.S. Treasury) 
  • Limited English proficiency 
  • Recovering from natural disaster property damage or destruction

Do you meet these criteria? See How to Apply.

Phase 4: Opening Later This Year

All homeowners who meet the general eligibility requirements above may apply during this phase.