If you’re having trouble making mortgage payments or you’ve fallen behind, we have a number of foreclosure prevention services to help you keep the home you’ve worked to hard to own. The Willamette Neighborhood Housing Services team is here to help you explore your options.
Foreclosure Prevention Counseling
Willamette Neighborhood Housing Services offers free foreclosure prevention counseling. We are a HUD-approved Housing Counseling Agency with highly skilled counselors ready to help you find options to resolve your situation. We work with you and your lender to create a plan of action to prevent foreclosure and avoid future mortgage defaults.
Our counseling is designed for homeowners in financial distress. Every aspect of default and delinquency is addressed, including ways to maximize income and reduce expenses, calculate delinquencies, and understand the players in the mortgage marketplace.
If you are behind on your mortgage, or you anticipate not being able to make consistent payments, please let us help!
Foreclosure prevention counseling is available in-person or by telephone. Take this opportunity today. Call us at 800.403.0957 ext. 300, or email us at firstname.lastname@example.org.
In order to offer you as much assistance as possible during your 1 hour appointment, we need to receive the complete Intake Package and other required documentation from you, 48 hours before our first meeting. Please download and complete the forms to the right and gather the requested documents and submit copies. You can email them to us or you can print the forms and submit them in person. If these forms are confusing, please call us, and we will be happy to help you through the process.
OregonHomeownerSupport.gov is now working with Legal Aid Services of Oregon to help provide direct legal assistance and pro bono referrals for low income Oregon homeowners and tenants faced with foreclosure-related legal problems. Legal Aid will be able to assist some income-eligible borrowers and tenants directly, while others may be referred for reduced or sliding scale fee services. The range of services provided extends from limited advice to ongoing representation in foreclosure proceedings.
Borrowers and tenants can call the toll-free statewide intake line at 1-855-412-8828 (or in the Portland metro area call 503-227-0198) to speak with an intake specialist. Please note that the intake line is not staffed by attorneys and the intake specialist cannot give legal advice. Your case will be screened for acceptance after you have called the intake line.The intake line is open from 9:00 a.m. to 12:00 p.m., and 1:00 p.m. to 4:30 p.m., Monday through Friday. Intake staff can assist borrowers in English and Spanish, and can also assist borrowers in other languages by using phone-based interpretation services
Mortgage Payment Assistance
Oregon Homeownership Stabilization Initiative offers a mortgage payment assistance program called Home Rescue. This program is for people experiencing a long-term hardship, keeping them from being able to make their monthly mortgage payment. Accepted applicants may have their mortgage paid in full for one full year, plus have any arrearages up to $15k brought current. Applicants must be able to illustrate a sustained loss of income of 10% or more in the last 6 years. WNHS acts as the intake agent for this program in Linn, Benton and Lincoln counties. To learn more and apply, please refer to OHSI’s website, www.oregonhomeownerhelp.org Once your online application is complete you will hear from Willamette Neighborhood Housing Services with instructions on completing the application process.
Loan Preservation Assistance
Another program offered by OHSI, the LPA program will make a single balloon payment to bring you current on your 1st position mortgage, back property taxes or funds owed for charges owed to your reverse mortgage servicer. This program is available to applicants in Linn, Benton or Lincoln county who have the ability to make their monthly payments, but have experienced a hardship that has put them behind and unable to catch up. To learn more and apply, please refer to OHSI’s website, www.oregonhomeownerhelp.org Once your online application is complete you will hear from Willamette Neighborhood Housing Services with instructions on completing the application process.