Foreclosure Avoidance Counseling

We can help you keep the roof over your head.

Any Oregon homeowner can access our foreclosure avoidance counseling services completely free of charge. Whether you've missed a mortgage payment or the foreclosure process has already begun, we're here to support you. Don’t wait—time is critical, and we're ready to help you take the first step today.

Step 1: Complete the DevNW Foreclosure Avoidance Application (English | Español) and supporting documents. (Note: The application and supporting documents are required before your counseling appointment can be scheduled, so that your counselor fully understands your situation.)

We can schedule your counseling session as soon as you turn in the application and required documents.

Step 2: A member of our DevNW Program Support team will call you to schedule an appointment. Your counselor will help you understand:

How your lender will analyze your situation
Which options are available to you
How to move forward
Outline the likely (and not-so-likely) options available
Ask for any additional documents that your lender might need to support your goal
Strategize for the resolution conference

Counselors can help you apply for a loan modification or forbearance and provide referrals to other professional services, such as short sale realtors and bankruptcy attorneys.

Cost: No fees to DevNW. See your Notice of Resolution Conference and follow its instructions.

DevNW Application and Supporting Document Links:

Enrollment Packet (English | Español)

Blank DevNW Budget Sheet

Hardship Letter Template/Example

4506T Form

Other Helpful Resources

Oregon Foreclosure Avoidance Program

Fannie Mae Loan Lookup

Freddie Mac Loan Lookup

Consumer Financial Protection Bureau — servicing guidelines and complaint forms

Oregon Department of Justice Consumer Protection