Are you Having Problems Paying Your Mortgage?
If you’re behind on your mortgage payments, or worried about how you’ll make the next one, join the more than 1.5 million families who have been helped so far through the MHA program. Move forward without the sting of foreclosure.
Oregon Foreclosure Information and Resources
Learn How to Avoid Foreclosure and Keep Your Home
Avoiding Foreclosure (English)
Avoiding Foreclosure (Spanish)
If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.
Office of the Comptroller of the Currency’s Consumer Tips for Avoiding Mortgage Modification Scams and Foreclosure Rescue Scams
The Federal Trade Commission’s “Foreclosure Rescue Scams: Another Potential Stress for Homeowners in Distress”
June 27, 2013: The Federal Housing Administration’s (FHA) Mortgagee Letter 2013-22 extends, until further notice, the earlier Letter 2011-23 that established a Special Forbearance Program for unemployed FHA-insured borrowers that required servicers to extend the forbearance period for FHA borrowers who qualify for the program from 4 to 12 months and remove upfront hurdles to make it easier for unemployed borrowers to qualify.
Questions about FICO?
FICO Scores: Frequently Asked Questions
Impact of Various Adverse Credit Events on FICO Score
Call before you wire funds
In a common scam, an email account is hacked (it could be broker’s, escrow’s, or consumer’s email). The hacker monitors the account, waiting for the time when the consumer must wire funds. Broker, escrow, and consumer have no knowledge they are being monitored. The hacker, impersonating broker or escrow, instructs the consumer to wire funds immediately. The wire instructions are for an account controlled by the hacker. These instructions often create a sense of urgency and explain that the broker or escrow officer cannot be reached by phone so any follow-up must be by email. When the consumer replies to this email, their email is diverted to the hacker. The consumer wires the funds, which are then stolen by the hacker with no recourse for the consumer.
Never wire funds without first calling the known phone number for your broker or escrow and confirming the wire instructions. Do not rely upon email communications.