How long does foreclosure take in Oregon?

The foreclosure timeline in Oregon, phase by phase

1. Missed payments and the federal wait

   Day 1 to at least day 121

   After the federal 120-day wait, the servicer can start. Once you are more than 30 days behind, a housing counselor can certify that and help you ask for a resolution conference yourself, as long as no notice of default has been recorded.

   12 C.F.R. § 1024.41(f); ORS 86.726(3)

2. Resolution conference

   Scheduled within 75 days after the program's notice

   The program sends the notice within 10 days after a conference is requested. You have 25 days to pay your fee and send documents, and the lender then has 25 days to send its documents. The facilitator can postpone the conference once on its own, and again only if you and the lender both agree.

   ORS 86.729, 86.732(3)

3. Certificate of compliance and notice of default

   Certificate within 5 days after the conference report; good for 1 year

   If the lender took part properly, the program issues a certificate of compliance. The lender needs a valid one to record the notice of default. If you do not pay your fee on time, the conference is canceled and the lender gets a certificate within 5 days.

   ORS 86.736, 86.752(4)

4. Notice of sale to auction

   At least 120 days

   The notice of sale can go out right after the notice of default is recorded, but the sale must be at least 120 days later. The notice is also published once a week for 4 weeks, with the last one more than 20 days before the sale.

   ORS 86.764, 86.774

5. Postponements

   Up to 180 days in total from the original sale date

   Each new date needs written notice at least 15 days ahead, except one short postponement of up to 2 calendar days. If a court order or bankruptcy stopped the sale, the trustee sends an amended notice of sale within 30 days after the stay ends, at least 15 days before the new date.

   ORS 86.782(2), (12)

6. Sale to possession

   10 days after the sale

   The buyer is entitled to possession on the 10th day after the sale. Anyone still in the home after that is treated as a tenant at sufferance, and the buyer must use the court eviction process.

   ORS 86.782(6)(a)

7. Eviction case

   First appearance about 7 days after filing; then at least 4 days to move

   The court clerk sets the first appearance about 7 days after the buyer files, and the clerk can delay it up to 7 more days. If the buyer wins, a notice of restitution gives you at least 4 days to move out before the sheriff can enforce the judgment.

   ORS 105.135, 105.151

Oregon deadlines written into the law

Your own dates are on the notices you received. If a notice and this page disagree, trust the notice and ask a counselor or lawyer.

Common questions in Oregon