The Oregon Foreclosure Avoidance Program partners with numerous state firms and not-for-profit companies to offer complimentary and inexpensive resources and help to Oregonians struggling as an outcome of foreclosure.

Oregon's Foreclosure Avoidance Program provides a structured process for:

- Communicating with the lending institution

- Submitting monetary documentation to the loan provider

- Working with a licensed foreclosure counselor

- Meeting the lending institution essentially or in individual with a facilitator at a neutral location


This program is offered for these kinds of homeowners:

- Homeowners who have received a "Notice of Resolution Conference" from their lending institution

- Homeowners who lag on their loan responsibility

- Homeowners in financial difficulty and desire to request a resolution conference with their lender


Please note: If you are overdue on your mortgage loan and receive correspondence in the mail with an envelope that appears like the listed below image and an enclosed letter asking for payment, it is a genuine state-sponsored program.

Free loan adjustment and foreclosure counseling

Please read the materials and reach out to among OHCS' homeownership centers noted below to speak to a licensed foreclosure therapist who can assist you with documents and establishing a resolution conference. Pay the cost to Mediation Case Manager (info enclosed in envelope), and they will appoint you to a therapist.

Low-cost legal representation

If you require legal aid, the Oregon State Bar supplies complimentary info and other resources through Oregon Law Help for veterans and those on low to moderate earnings. The following are a few of the services they offer:

- Oregon State Bar Lawyer Referral Service: The Lawyer Referral Service refers all Oregonians to lawyers who have actually concurred to a $35 preliminary assessment cost. Fees afterwards are as worked out.

- Modest Means Program: Low- to moderate-income Oregonians may receive this program offering reduced-rate services.

- Military Assistance Program: Veterans may certify for approximately two hours of complimentary help through the Military Assistance Panel.


For more details on these services, check out the Oregon Law Help website or call 503-684-3763; toll-free in Oregon at 800-452-7636.

Other foreclosure help resources

- Oregon Foreclosure Avoidance Program

- Oregon Department of Consumer and Business Services Foreclosure Assistance

- Oregon Department of Justice Foreclosure Fraud Information

Frequently asked questions

What is the Foreclosure Avoidance Program?

In 2012, the Oregon Legislature passed a law needing lenders to meet homeowners at the start of the nonjudicial foreclosure process. In 2013, the Legislature expanded the program so most house owners will have a chance to meet their loan providers before any foreclosure begins.

How do I take part?

There are simply four simple actions to participate: Pay a fee, satisfy with a housing counselor, send your files, and show up. It's really that easy.

Why should I get involved?

If you follow the four basic actions, you will get:

- Free advice and help from a housing counselor.

- The ability to send files to your lending institution through a secure online portal.

- Information about your loan, including a made a list of statement of what you owe, a payment history, and the name of the entity that owns your loan.

- A meeting with an agent of your lender who has complete authority to work out and dedicate to a foreclosure avoidance measure.

- A possibility to avoid foreclosure before the lender starts that procedure.


Even if you are not able to save your home, you will have the ability to talk with your loan provider about deeding the home back, selling the residential or commercial property for less than you owe, or vacating willingly in exchange for a little payment to help you move.

Whom can I require more info or assist?

Call Mediation Case Manager (MCM) at 855-658-6733 for assistance at any time. MCM manages the program for the state and can assist you with setting up your online account, scheduling, payments, submitting documents, using the online website, and more. Information is also available on the program website at www.ForeclosureMediationOR.org.

Call a housing counselor as quickly as possible to start preparing for the resolution conference. The housing therapist will advise you about choices to prevent foreclosure, assistance put together the very best possible proposition for your lending institution, and prepare you for the conference. If you want assistance negotiating with your lender, a housing counselor will participate in the resolution conference with you. There is no expense to you for working with a housing counselor. Please describe the above list of approved housing therapy firms in Oregon.

What if I can't pay for the fee?

If you are low earnings, all however $50 of your fee might be waived. The decreased charge should be paid by the deadline on the notification. Call MCM at 855-658-6733 for assistance and more info.

What occurs if I do not pay the cost on time?

The fee due date is set by law and can not be changed. If you do not pay your fee on time, MCM will cancel the resolution conference and release your loan provider a Certificate of Compliance. Your lending institution may foreclose without additional hold-up. Call MCM at 855-658-6733 for aid and more details.

What if I do n'tsubmit my files on time?

If you don't submit all of your files on time, MCM will not cancel the resolution conference. But your lending institution may not provide you info about your loan and you will be much less likely to reach an arrangement to prevent foreclosure. You must meet a housing counselor as soon as possible for help collecting the right documents for your lender and submitting them to the online website.

What details does my lender have to provide me?

Within 25 days after you submit your files, your loan provider must provide you the following details about your loan:

- A copy of the Promissory Note and Deed of Trust

- The name and address of the owner of your loan

- A record of your payment history for the last 12 months, or since you were last existing on the loan, a declaration of what you owe (detailed by principal, interest, charges, and other charges) and the amount you would require to pay to cure the default

- Input and output values of any Net Present Value test used to evaluate your eligibility

- The most current appraisal or price viewpoint the loan provider utilized to figure out the value of the residential or commercial property.

- The part of any maintenance or other agreement that restricts adjustment of your loan and a declaration of what effort was made to get the constraint waived

- A description of any extra documents required to examine your eligibility for a foreclosure avoidance measure


What is a resolution conference?

A resolution conference is an informal meeting with your lender to negotiate a foreclosure avoidance step. A neutral individual, called a "facilitator," will lead the conversation. The facilitator is trained in mediation and fundamental foreclosure concerns.

What if I am not offered on the date in the notification?

If you are not offered on the date MCM sets, you may have the ability to reschedule the resolution conference if your lending institution concurs or there is "good cause" for moving the date. You must contact MCM as soon as possible to request a new date.

Do I need a lawyer to represent me at the resolution conference?

You may bring a lawyer, a housing counselor, or both to the resolution conference, but you are not required to do so. If you can not pay for an attorney however would like one, complimentary or low-cost legal assistance may be readily available. Please see the "Low-cost legal representation" part of this webpage for more details.

Does my loan provider have to offer me a foreclosure avoidance procedure at the resolution conference?

No. Oregon law requires your lending institution to send out an agent with complete authority to negotiate and devote to a foreclosure avoidance measure, but your lender is not required to customize your loan if you are not eligible. Your housing counselor can help you determine which alternatives you might be eligible for so that you can create the very best possible proposal to your lender.

What if I have unique requirements?

Notify MCM as soon as possible if you need any special accommodations or a translator at the resolution conference.

How do I know this program isn't a rip-off?

The Oregon Foreclosure Avoidance Program was developed by law and is supervised by the Oregon Department of Justice. Mediation Case Manager is the sole entity designated by the Department of Justice to handle the day-to-day operations of the program. More details about this program is offered on the Department of Justice site at www.doj.state.or.us.

Unfortunately, there are numerous fraudsters claiming to offer aid to having a hard time homeowners. If you think you have been a victim of a rip-off or have questions about a specific organization, including Mediation Case Manager, call the Department of Justice's Consumer Protection Hotline at 877-877-9392.