Applying for support


Q: How do I know which program to apply for?

Visit our program pages for more information and to figure out which program to apply for. Each program page contains an eligibility checklist and information about benefits. These will help you determine which program you may qualify for and which benefits best meet your needs and situation. You may only apply for one program at a time, so please review the eligibility checklists carefully.

Q: Who should I list as the applicant(s)?

For Past Due Mortgage Support, Fixed Income Support and Reverse Mortgage Support, include all parties listed on your home’s promissory note or deed of trust. For Property Tax Support, list all parties on the title to the property.

Q: What documents do I need to apply?

Find a list of documents on the program page for the program you are applying to.

Q: I tried to apply, but I cannot get past the first page of the application. Why?

If you are unable to get past the first page of the application, it may be for one or more of the following reasons:

  • Mobile phones and tablets do not work with the OHSI application. You should apply using a desktop computer or a laptop. If you are having difficulty accessing a computer, try visiting your local library or the OHSI intake agency in your county.

  • Your servicer is not enrolled with OHSI. Download a list of participating servicers. If your servicer is not listed on the first page of the application, your servicer is not enrolled with OHSI.

  • You have previously applied for support from OHSI. If this is the case, please contact OHSI customer service at homeowner.help@oregon.gov or at 503-986-2025. We can answer your questions about starting a new online application.

  • No more slots remain for the current application cycle. A limited number of people can apply every two weeks.  Apply Now to find out when you can try again.

Q: How will I be notified if I am approved or denied for the program I applied for?

If you are approved, your local intake agency will notify you and inform you of the next steps to receive support. If you are denied, you will receive a notice in the mail from OHSI.

You will have 21 days to appeal the decision, if applicable. The appeal instructions are included in the denial notice. See Appeals FAQs below for more information.

Q: Can I receive assistance through more than one program?

Yes, OHSI participants may receive assistance from multiple programs. You may qualify for a total of up to $75,000 across all programs.

If you received assistance in the past, you cannot receive support from the same program again, but you may apply for support from a different program. Please note that Reverse Mortgage Support, Property Tax Support and Past Due Mortgage Support are all part of the LPA program and are considered the same program. If you received support from one of these three in the past, you may not apply for another of them.

If you received assistance under our former programs, Loan Refinancing Assistance Pilot Project (LRAPP) or Rebuilding American Homeownership Assistance Pilot Project (RAHAPP), you are not eligible for Fixed Income Support (otherwise known as “PRLE”)

Visit the program pages for more information about the financial support available through each program.

Q: What is a mortgage servicer?

A mortgage servicer is the company that manages your mortgage. They do things like collect and process payments, send statements and manage delinquencies and foreclosures. Sometimes the servicer is the same company as your lender, the financial institution that loaned you the money. Other times the lender and servicer are two separate companies. OHSI works directly with your servicer.

To receive support from OHSI, your servicer must be enrolled. Visit How It Works for a list of participating servicers.

Q: My loan was transferred to a new servicer. Does this affect my application?

If your loan is transferred while you are receiving support or during the application process, in order to continue, the new servicer must be a participating servicer with OHSI. If your new servicer is participating, you must submit a form with your new servicer’s information into the OHSI intake agency in your county. Download the form.

Please note that this can add an additional 30-60 days to processing your application.

Q: Can I apply for an OHSI program if I am currently in a modification?

Yes, you may still apply if you are in a modification. However, your servicer may be unwilling to participate with OHSI due to the pending modification.

Receiving support


Q: I just learned I qualified for support. What happens now?

After you qualify for support, the intake agency in your county will then set up a time for you to sign your loan documents. You need to sign your documents within seven days after receiving notice of approval. Find contact information for your intake agency here.

Q: Who must sign the loan documents?

The following people must participate in the document signing:

  • All applicants

  • Any other parties listed on the property’s title

Q: How is the payment made?

All payments are sent electronically from OHSI directly to your servicer.

Q: Why is the lien placed on my property for more than the amount of assistance I received?

The lien is placed on your property at the time you sign your OHSI loan documents. The lien will show up to the maximum amount available for the program you applied for. This may be different than the assistance you actually receive. 

At the time of signing, OHSI does not know the exact dollar amount that will be used for assistance—this is determined after a final check with your servicer on the amount you owe. OHSI is unable to adjust the lien amounts once they are placed on the property.

Q: What are the tax implications of receiving support?

At this time, the IRS has published guidance stating that support from OHSI is not treated as income for federal tax purposes. The document also provides guidance on how to report mortgage interest. OHSI will send you a 1098-MA form that documents the assistance you received in the prior tax year.

Participants are responsible for knowing the tax implications for receiving support. OHSI cannot provide tax advice. For additional information, contact the IRS or a tax professional.

Q: I received support from OHSI. Do I have to repay it?

OHSI’s support comes in the form of a five-year, no-interest, forgivable loan. That means that each year, as long as you don not sell your home or refinance it for cash, 20% of the loan is forgiven. After five years, the entire loan is forgiven, meaning you will not have to pay it back.

If you sell your home or refinance it for cash within five years, you may have to repay the portion of the loan that has not yet been forgiven.

Q: I want to sell or refinance my home before the five-year forgiveness period is up. How much will I have to pay and what do I need to do?

If you sell your home or refinance taking equity out within five years, you will owe the portion of the loan that has not yet been forgiven.

If the sale is a short sale, or the net proceeds of the sale are insufficient to pay off the full OHSI balance then owed, the loan may still be forgiven.

You will need to request a payoff statement from the OHSI Payoffs Department to determine the balance owed at that time. Contact OHSI Payoffs (ohsi.payoffs@oregon.gov). The Payoffs Department is not available by phone. All email inquiries are processed in the order received. Please allow 48-72 hours for response time.

Appealing a denied application


Q: I would like more information about why my application was denied, withdrawn or terminated. Who can I contact?

Please email the Appeals Team at ohsi.appeals@oregon.gov to obtain more information about the reason for your withdrawal, termination or denial.

Q: How can I appeal the decision?

If you believe the reason you are not receiving support is incorrect, you must submit a request for an appeal. Our Appeals Team will then contact you and let you know what additional documentation is needed to proceed with your appeal. You may then mail copies of the requested information to OHSI or provide the information to the intake agency in your county.

Q: What is the deadline to request an appeal?

You must request an appeal within 21 days from the date on your notice. We do not accept appeals after that date.

Q: Who do I contact to request an appeal?

To request an appeal, please email ohsi.appeals@oregon.govDo not provide any sensitive or personal information by email. All sensitive information should be sent by standard mail or provided to the intake agency in your county.

Information for lenders and escrow officers


Overview

OHSI programs provide homeowner assistance through no-interest, five-year, forgivable loans, that create a mortgage on the property. The mortgage reflects the maximum benefit that could have been received, not the amount that was actually received. The loans are forgiven at a rate of 20% per year following assistance. No payments are required during that time. If the property is sold or refinanced before the loan is fully forgiven, then the unforgiven balance may become due.

Please contact the Payoffs Department with any questions at ohsi.payoffs@oregon.gov.

Payoff statements

Order a payoff statement by emailing ohsi.payoffs@oregon.gov. The Payoffs Department is not available by phone. All email inquiries are processed in the order received. Please allow 48-72 hours for response time.

Satisfaction of mortgage

Once OHSI receives funds by wire or check, or on receipt of the final HUD-1 settlement statement for a short sale or insufficient funds transaction, OHSI will prepare a satisfaction of mortgage and forward it to you.

Recording fees

OHSI pays all fees associated with placing the lien for all OHSI assistance. The homeowner is responsible for all associated recording fees for removal of the lien once a payoff for the loan has been received prior to the loan forgiveness date.

OHSI will pay the recording fee when releasing a lien that has been placed on a property in error and at the time the lien is forgiven in full.

Subordination

OHSI will subordinate to a refinance where the first and second mortgage are being paid off through a rate and term refinance, where the borrower will be receiving less than 1% cash back.

Subordination requirements

You will need to submit the following documentation:

  1. Estimated HUD 1 Settlement Statement, TRID Loan Estimate, or Closing Disclosure.

  2. Principal balance of new loan

  3. Name and address of new servicer

  4. Rate and term of new loan

  5. Payoff statement of current loan

  6. Name and address of current servicer

  7. Contact information for escrow, include name and email address

  8. Preliminary Title report

  9. Authorization for release of information

  10. Please supply a UPS or FEDEX return label to return finished documents.

We do not charge a fee for our subordination agreements.

Please allow 5 to 7 business days to complete a subordination agreement upon receipt of the above requirements.