Catch up on your mortgage payments


If you are behind on your mortgage payments and struggling to catch up, OHSI is here to help. We provide up to $40,000 to help homeowners catch up on their mortgage payments and reinstate their account. If you qualify, these funds are available at no cost to you as long as you don’t not sell your home or refinance it for cash for at least five years.


"We want to encourage others not to give up. There are folks out there willing to help. We appreciate everyone who was involved in making this happen."

-Hector and Jeniffer, Lane County



Am I eligible?

To receive this benefit, you must meet the qualifications listed below and on our complete eligibility checklist.

If you have questions about whether you qualify, please contact us.


I am…

  • Past due on my mortgage payments

  • Recovering from a financial hardship, such as a job loss, income reduction, medical issue, disability, death or divorce

My home…

  • Is my primary residence

  • Is a single-family home or has up to four units

  • Is the only residential property I own

My income…

  • Is high enough that I will be able to afford my monthly payments after receiving OHSI's financial support (see the complete eligibility checklist for details)

  • Is within the limits in the table below

Household sizeMaximum yearly income
1 $84,480
2 $96,480
3 $108,640
4 $120,640
5 $130,240
6 $140,000
7 $149,600
8+ $159,200


How to apply

Applying for Past Due Mortgage Support involves a few key steps. Visit How It Works for more details on the application process.


Mark your calendar:

You can start to fill out the online application every other Wednesday at noon. All application materials are due Friday the following week. Click here to learn more and view the application calendar.

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Gather your documents:

Tax returns, mortgage statements and other documents are required to apply. We recommend gathering these materials before getting started. View the list of the documents you need.

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Complete your application:

There are two parts to the application process—completing an application and submitting your documents. A limited number of people can apply, so get started as soon as you can.

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Allow time for processing:

It can take four to six months to process the application and provide your financial support. We will contact you as soon as your application has been processed.

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Get help: 

Have questions? Contact OHSI. We are here to help every step of the way.



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