The Oregon Homeowner Aid Fund (HAF) program is open up to applicants eligible for Stage 3, according to Oregon Housing and Group Companies.

Emergency Mortgage Relief

The money support is a federal short-term COVID-19 crisis mortgage loan relief system.

This is a federal short-term COVID-19 crisis home loan reduction system intended to assistance home owners who have professional critical economical hardships due to the pandemic. It offers funding for past-due home loans and other housing charges to a restricted quantity of householders with very low incomes.

OHCS is operating to guide property owners at chance of losing their property in a phased solution. Throughout Phases 1 and 2, it concentrated on owners who had been most at-chance of foreclosures or who had the fewest alternatives. Plan employees will continue to course of action apps by now submitted in Phases 1 and 2. Eligibility data for the distinctive phases is accessible on the HAF web site.

When continuing to provide house owners suitable for Phases 1 and 2, Phase 3 expands HAF help to home owners traditionally underserved or less equipped to get better, together with all those who are:

  • Residing with a disability (with proof of added benefits)
  • Rural, as determined by ZIP Code
  • Socially disadvantaged people today (outlined by the U.S. Office of the Treasury), together with Black, Indigenous, and People of Colour, as effectively as associates of federally identified Tribes
  • Minimal English proficiency (English is not the applicant’s primary language)
  • Recovering property injury or destruction brought about by a all-natural catastrophe (with proof of rewards)
  • Home owners with home loans exactly where the U.S. Office of Housing and Urban Progress (HUD) is the named beneficiary. This is a quite exceptional condition, the place HUD has taken over a financial loan that is in default. Homeowners ought to discuss with a housing counselor to establish if this is their bank loan.


Home owners who have not utilized and are eligible might now find a new software backlink on the website.

Householders suitable for Phases 1 or 2 may well now apply making use of the identical backlink if they have not earlier submitted an software. If house owners want support with their application, the HAF web site lists the program’s application consumption assistance companions who can help householders with on the web, paper, in-particular person, or minimal English proficiency purposes.

Owners with more queries about HAF can take a look at the web page or simply call 833-604-0879.

Period 4, which will implement to all other suitable applicants if funding is even now available, will open up at a date to be established.

HAF funding is limited. The state is prioritizing Oregon households that are at the greatest hazard of foreclosures. After the $90 million of funding granted by the U.S. Treasury is long gone, the plan will close. Even if householders are eligible, there is no promise their software will be funded.

Other home loan relief applications are obtainable if house owners do not satisfy the HAF eligibility requirements. Homeowners must get hold of a housing counselor, mortgage servicer or 211 for a lot more solutions.