Free foreclosure help in Oregon

Who to call first, by situation

• You are not behind yet but expect to be

  As soon as you see trouble coming

  Call your servicer and ask what hardship options it offers. Then use Oregon Housing and Community Services: Foreclosure Avoidance Program to reach a homeownership center with a free certified foreclosure counselor. A counselor can certify a hardship so you can request a resolution conference even before you fall behind.

  ORS 86.726(3)

• You are behind but have no notice yet

  Once you are more than 30 days behind, before any notice of default

  Ask a housing counselor to help you request a resolution conference through the Oregon Foreclosure Avoidance Program (Mediation Case Manager). Mediation Case Manager can help with your online account, scheduling, payments and documents at 855-658-6733.

  ORS 86.726

• You got a Notice of Resolution Conference

  Within 25 days; the fee deadline cannot be changed

  Pay the fee to the Oregon Foreclosure Avoidance Program (Mediation Case Manager), send your documents and meet a counselor through Oregon Housing and Community Services: Foreclosure Avoidance Program. The Oregon Department of Justice: Foreclosure Avoidance Program page explains the program rules.

  ORS 86.729

• You got a notice of sale or a sale date is set

  Today; the cure cutoff is 5 days before the sale

  Use OregonLawHelp: Legal Aid Offices to find free civil legal aid near you. If you do not qualify, the Oregon State Bar Lawyer Referral Service at 1-800-452-7636 refers you to attorneys who charge $35 for the first consultation. Call the trustee on your notice for the exact cure amount.

  ORS 86.778

• Your servicer is not following the rules

  Before the sale if possible

  File a complaint with the Oregon Division of Financial Regulation: File a Complaint, or call 888-877-4894. The Oregon Department of Justice: Mortgage Help for Oregon Homeowners page lists the state foreclosure hotline, 1-800-SAFENET. Only a court can stop a sale, so also talk to legal aid.

  ORS 86.748, 86.741(3)

• A foreclosure rescue company contacted you

  Before you sign or pay anything

  In Oregon a foreclosure consultant cannot collect any fee until it has done each service it promised, must give you the contract at least 24 hours before you sign, and you can cancel the contract at any time in writing. Report problems to the Oregon Department of Justice Consumer Protection Hotline at 877-877-9392.

  ORS 646A.710, 646A.715, 646A.720

• You were served with an eviction case after the sale

  Before your first appearance date

  Go to the first appearance. The Oregon Judicial Department: Self-Help center has court forms and information, and OregonLawHelp: Legal Aid Offices can connect you with free legal aid if you qualify.

  ORS 105.135

Official and nonprofit help in Oregon

None of these charge homeowners for foreclosure help.

• Oregon Housing and Community Services: Foreclosure Avoidance Program

  State housing agency page that connects you with free certified foreclosure counselors and explains the resolution conference.

• Oregon Foreclosure Avoidance Program (Mediation Case Manager)

  The program site where homeowners respond to or request a resolution conference with their lender.

• Oregon Department of Justice: Mortgage Help for Oregon Homeowners

  Attorney General's consumer page with the state foreclosure hotline and where to complain about a servicer.

  1-800-SAFENET

• Oregon Department of Justice: Foreclosure Avoidance Program

  Explains the program rules and what to do when you get a Notice of Resolution Conference.

• OregonLawHelp: Legal Aid Offices

  Finder for free civil legal aid offices across Oregon.

• Oregon Judicial Department: Self-Help

  Court self-help center for people in a court foreclosure or a post-sale eviction case.

• Oregon Division of Financial Regulation: File a Complaint

  State regulator of mortgage lenders and servicers; takes consumer complaints.

  888-877-4894

• Oregon State Bar Lawyer Referral Service

  Refers you to a private attorney and lists low-cost legal programs.

  1-800-452-7636

Oregon Homeowner Assistance Fund

Oregon Housing and Community Services says the Homeowner Assistance Fund stopped accepting new applications on July 17, 2026. The U.S. Treasury says the federal Homeowner Assistance Fund period ended on September 30, 2026, so HAF money can no longer pay for new assistance. Free foreclosure counseling through OHCS homeownership centers and the Foreclosure Avoidance Program remain available.

Check the program’s current status

Common questions in Oregon