Stop foreclosure in Oregon.

How foreclosure works in Oregon

• Trustee sales require 120 days' notice after the recorded Notice of Default
• Oregon's Foreclosure Avoidance Program mandates mediation-style meetings for many loans
• You can cure and reinstate up to 5 days before the sale

Redemption & second chances

None after a trustee sale (180 days if foreclosed judicially).

What this means for you

Oregon's resolution conference requirement puts servicers across the table before a sale can proceed — one of the West's strongest homeowner checkpoints. Paired with cure rights running nearly to the sale date, prepared Oregon homeowners rarely run out of moves.

Your options in Oregon

Every tool in the national playbook works in Oregon — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short