Oregon

Oregon

Oregon
Foreclosure
Process

Security Instrument(s): Both Mortgage and Trust Deed.

Foreclosure Type(s): Judicial (rare) and Non-judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Notice of Default.

Estimated Foreclosure Process Period: 150+ days.

First Notice to Sale Time Period: 30+ days.

Redemption Period?: Yes, 6 months. (Judicial foreclosures only)

Deficiency Balance?: Yes. (Judicial foreclosures only)

* * * This information represents MRP’s current understanding of the Oregon foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, only an experienced foreclosure attorney can effectively represent your interests. If you have received one of these notices, review some of the options below, and schedule a FREE attorney consultation today!

Mitigation Attorneys

Let a Representative of an established mortgage mitigation law firm explain your options regarding loan modification, reinstatement, forbearance, principal reduction and foreclosure alternatives like short sale, deed-in-lieu of foreclosure (DIL), cash for keys, and leaseback. When appropriate, the Representative can also schedule a NO COST mitigation attorney consultation!

► ► Speak To A Mortgage Mitigation Law Firm! ◄ ◄

► ► Complete the Mitigation Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)Since the exposure of widespread fraud and deceptive practices by some of America’s largest banks, legislators have passed new laws giving homeowners causes of action to sue their lenders. As a result, many homeowners are hiring litigation attorneys to sue their lenders and use other aggressive legal tactics to stop the foreclosure process and resolve their troubled mortgages.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

Oregon Hardest Hit FundOregon is a “Hardest Hit Fund” State

($220,042,786)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.oregonhomeownerhelp.org/

HUD Approved Housing
Counseling Agencies
Located in Oregon

If you are behind on your mortgage, facing foreclosure or stuck in a bad loan, look for organizations offering “Mortgage Delinquency and Default Resolution Counseling” services. Organizations are listed in alphabetical order, by city.

THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. YOU SHOULD BE SKEPTICAL OF ANY “NON-ATTORNEY” ORGANIZATION’S ABILITY TO PROVIDE THE ASSISTANCE YOU NEED TO PREVENT FORECLOSURE!

Many of these organizations will end up recommending that you retain a foreclosure attorney. Most experienced foreclosure attorneys prefer to represent homeowners from the beginning of negotiations. Negotiating yourself or through a non-attorney third party can actually do harm, so we recommend a NO COST FORECLOSURE ATTORNEY CONSULTATION before you do anything else! You can also speed up the process by completing our ONLINE FORECLOSURE ATTORNEY EVALUATION. Your completed form is immediately routed to a foreclosure attorney licensed to practice in your state. You will receive a phone call with results and any further questions.

Agency NamePhone, Toll-Free,
Fax Number,
Email, Website
AddressCounseling Services
COMMUNITY HOUSING SERVICESPhone: 541-704-7651
Toll-free: 866-245-1780
Fax: 541-967-9307
E-mail: [email protected]ices.us
Website: www.communityservices.us/chs.htm
250 West Broadalbin SW Suite 2A
ALBANY, Oregon 97321-2299
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
MONEY MANAGEMENT INTERNATIONAL ALBANYPhone: 866-232-9080
Toll-free: 866-232-9080
Fax: 866-921-5129
E-mail: [email protected]
Website: www.moneymanagement.org
645 Waverly Dr SE., Ste.211
ALBANY, Oregon 97322-5078
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Rental Housing Counseling
- Services for Homeless Counseling
CLEARPOINT FINANCIAL SOLUTIONSPhone: 877-877-1995
E-mail: [email protected]
Website: www.ClearPointCCS.org
4800 SW Griffith Drive
Suite 102
BEAVERTON, Oregon 97005-8705
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
- Services for Homeless Counseling
MONEY MANAGEMENT INTERNATIONAL BENDPhone: 866-232-9080
Toll-free: 866-232-9080
Fax: 866-921-5129
E-mail: [email protected]
Website: www.moneymanagement.org
1010 NW 14th St Ste 100
BEND, Oregon 97701-2190
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
WILLAMETTE NEIGHBORHOOD HOUSING SERVICES, INC (FORMERLY CORVALLIS NHS)Phone: 541-752-7220-300
E-mail: [email protected]
Website: www.w-nhs.org
257 SW Madison Ave Ste 113
Corvallis, Oregon 97333-4757
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
MONEY MANAGMENT INTERNATIONAL EUGENEPhone: 866-232-9080
Toll-free: 866-232-9080
Fax: 866-921-5129
E-mail: [email protected]
Website: www.moneymanagement.org
1200 High St Ste 150
EUGENE, Oregon 97401-3222
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
O.U.R. FEDERAL CREDIT UNIONPhone: 541-485-1188-100
Toll-free: 877-279-2599
Fax: 541-685-1651
E-mail: [email protected]
325 Blair Blvd.
EUGENE, Oregon 97402-4149
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
ACCESS (SATELLITE OFFICE)Phone: 541-450-6196
Fax: 541-450-6199
E-mail: [email protected]
Website: www.accesshelps.org
101 NW A St., Suite 109
City of Grants Pass Municipal Bldg
GRANTS PASS, Oregon 97526-2000
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Resolving/Preventing Mortgage Delinquency Workshops
OPEN DOOR COUNSELING CENTERPhone: 503-640-6689
Toll-free: 866-640-6689
Fax: 503-640-9374
E-mail: [email protected]
Website: www.opendoorcc.net
34420 SW Tualatin Valley Hwy
HILLSBORO, Oregon 97123-5470
- Financial, Budgeting and Credit Repair Workshops
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Resolving/Preventing Mortgage Delinquency Workshops
- Services for Homeless Counseling
CCCS OF SOUTHERN OREGONPhone: 541-883-8118
Fax:541-883-8118Website: www.cccsso.org/
740 Main Street
KLAMATH FALLS, Oregon 97601-6010
- Financial Management/Budget Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
KLAMATH LAKE HOMEOWNERSHIP CENTERPhone: 541-882-3500
E-mail: [email protected]
Website: www.asite.com
1803 Main St
Klamath Falls, Oregon 97601+2636
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
NEIGHBORIMPACT - MADRAS HOUSING CENTERPhone: 541-475-0442
Fax: 541-475-0442
E-mail: [email protected]
Website: www.neighborimpact.org
645 SW Marshall
MADRAS, Oregon 97741-1241
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
ACCESSPhone: 541-779-6691
E-mail: [email protected]
Website: www.asite.com
3630 Aviation Way
MEDFORD, Oregon 97504-9758
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Resolving/Preventing Mortgage Delinquency Workshops
CCCS OF SOUTHERN OREGONPhone: 541-779-2273
Fax: 541-779-6412
E-mail: [email protected]
Website: www.cccsso.org
820 Crater Lake Ave Ste 202
MEDFORD, Oregon 97504-6581
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 800-634-2227
Toll-free: 503-253-5115
Fax: 503-253-4224
E-mail: [email protected]
Website: www.clearpointccs.org
9955 SE Washington St
Suite 301
-
-
Portland, Oregon 97216+2439
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
HACIENDA COMMUNITY DEVELOPMENT CORPORATIONPhone: 503-595-2111
Fax: 503-595-2116
E-mail: [email protected]
Website: www.haciendacdc.org
5136 NE 42nd Ave
PORTLAND, Oregon 97218-1506
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
NATIVE AMERICAN YOUTH AND FAMILY CENTERPhone: 503-288-8177
E-mail: [email protected]
Website: www.asite.com
5135 NE Columbia Blvd
Portland, Oregon 97218+1201
- Financial Management/Budget Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
PORTLAND HOUSING CENTERPhone: 503-282-7744
E-mail: N/A
Website: www.portlandhousingcenter.org
3233 NE Sandy Blvd
Portland, Oregon 97232-2557
- Financial Management/Budget Counseling
- Financial, Budgeting and Credit Repair Workshops
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
NEIGHBORIMPACT - PRINEVILLE HOUSING CENTERPhone: 541-416-0107
Fax: 541-416-0107
E-mail: [email protected]
Website: www.neighborimpact.org/housingcenter.html
203 NE Court Street
PRINEVILLE, Oregon 97754-1935
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
NEIGHBORIMPACTPhone: 541-318-7506
E-mail: [email protected]
Website: www.neighborimpact.com
2303 SW 1st St
Redmond, Oregon 97756-7133
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Resolving/Preventing Mortgage Delinquency Workshops
NEIGHBORIMPACT - REDMOND HOUSING CENTERPhone: 541-316-2038
Fax: 541-504-3373
E-mail: [email protected]
Website: www.neighborimpact.org/housingcenter.html
2602 SW First St Suite B
Suite B
REDMOND, Oregon 97756-6401
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
NEIGHBORWORKS UMPQUAPhone: 541-673-4909
E-mail: [email protected]
Website: www.asite.com
605 SE Kane St
Roseburg, Oregon 97470-4906
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Reverse Mortgage Counseling
UNITED COMMUNITY ACTION NETWORKPhone: 541-672-3421
Fax: 541-672-1983
E-mail: [email protected]
Website: www.ucancap.org
280 NE Kenneth Ford Dr
Roseburg, Oregon 97470+1034
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CCCS OF MID-WILLAMETTE VALLEY, INC.Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: [email protected]
Website: www.apprisen.com
1564 Commercial St SE
SALEM, Oregon 97302-4310
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
NEIGHBORHOOD ECONOMIC DEVELOPMENT CORPORATION (NEDCO)Phone: 503-779-2680
Fax:503-779-2682Website: www.nedcocdc.org
868 Commercial St. SE
SALEM, Oregon 97302-4108
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
NEIGHBORHOOD ECONOMIC DEVELOPMENT CORPORATION (NEDCO)Phone: 541-345-7106
E-mail: [email protected]
Website: www.asite.com
212 Main St
Springfield, Oregon 97477
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
COMMUNITY ACTION TEAM, INC.Phone: 503-325-9215-2303
Fax: 503-325-9216
E-mail: [email protected]
Website: www.cat-team.org/nworhc
125 N 17th Street
ST HELENS, Oregon 97051-1708
- Fair Housing Pre-Purchase Education Workshops
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling