Eligibility: -Must be homeless, have a 72-hour eviction notice, or a mortgage notice of delinquency
-Eviction must be due to a sudden decrease in income (within the last 6 months) that prevented the ability to pay rent/mortgage
-Applicant must have the potential to increase income and make future rent/mortgage payments
-Applicants must make 50% Area Median Income or less

Eligibility: Must be testing positive for COVID-19

Eligibility: HIV/AIDS-affected individuals

Eligibility: HIV/AIDS-affected individuals

Eligibility: Varies by service

Eligibility: Low and moderate income Coquille Tribal members nationwide and other Native Americans, Alaska Natives, and Socially Disadvantaged Individuals in Coos, Curry, Douglas, Jackson, and Lane counties in Oregon.

All programs are operated to first serve the needs of members of the Coquille Indian Tribe, then members of the Confederated Tribes of Coos, Lower Umpqua, and Siuslaw Indians, and then other Native Americans and Alaska Natives. Eligibility is further determined by need, income, references from landlords and credit providers, criminal background check, and household composition.

Eligibility: At or below 80% Area Median Income and have a documented financial need and lack of resources related to COVID-19

Eligibility: -Income must have been impacted by COVID-19
-Must be at or below 80% of area median income
-Must be mortgage holder and live in home as primary full-time
residence
-Must be able to pay remainder owed not covered by this program

Eligibility: -Homeowners that have experienced financial hardship due to COVID-19
-Income at or below 160% Area Median Income for Deschutes County
-Income at or below 200% Federal Poverty Level for Jefferson and Crook Counties and Confederated Tribe of Warm Springs

Eligibility: In order to apply, homeowners must meet the general eligibility requirements AND one or more of the criteria listed under the current or previous phases.

General eligibility:
-Living at the property.
-Listed as a borrower on the mortgage or are the owner of the property.
-Has experienced financial hardship due to the coronavirus pandemic after January 21, 2020.

Past-Due Payment Relief: Homeowners must be at or below 150% Area Median Income or 100% of the median income for the United States, whichever is greater.

Ongoing Payment Relief: Homeowners must be at or below 100% Area Median Income or 100% of the median income for the United States, whichever is greater.

Phase 1:
-In active foreclosure (sheriff’s sale date, judicial case, notice of default with sale date)
-Unemployed and have exhausted their unemployment benefits and one of the following: Exhausted their COVID-19 forbearance options (for reduced or paused housing payments); OR exhausted their loss mitigation options (steps to avoid foreclosure)
-Servicer-identified borrowers who have been denied loss mitigation or have no loss mitigation options because their loans do not include options
-Homeowners with chattel loans (for manufactured homes) and land sale contracts in default and at risk of foreclosure
-Past-due property tax lien has been foreclosed by the county and the redemption period (amount of time allowed to pay off back taxes, plus interest and fees, after a tax lien foreclosure) ends in 2021 or 2022

Phase 2:
-Participated in the Oregon Foreclosure Avoidance Program and were not offered loss mitigation by their servicer
-Has private mortgages or Individual Tax Identification Number (ITIN) loans
-Is receiving disaster unemployment benefits
-Seniors with reverse mortgages (Home Equity Conversion Mortgages, or HECMs)
-Property tax foreclosure redemption period ends after 2022

Phase 3:
-Unemployed or underemployed borrowers whose COVID-19 forbearance plans have reached the maximum term or are reaching that term within 60 days
-Has loans in default where HUD is the beneficiary
-Traditionally underserved or less able to recover, including those who are:
-Age 65 and older
-Living with a disability (with proof of benefits)
-Rural (determined by ZIP Code)
-Socially Disadvantaged Individuals (defined by Treasury)
-Limited English Proficiency
-Recovering from natural disaster property damage or destruction

Phase 4:
All homeowners who meet the general eligibility requirements may apply during this phase.

Eligibility: Varies by service

Eligibility: Must meet USDA income guidelines for food pantry program

Eligibility: Varies by funding source. Must meet income guidelines.