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APPRISEN
FINANCIAL SERVICES
Provides budget and debt management and repayment counseling, HUD approved mortgage delinquency and default resolution counseling, home purchase counseling, bankruptcy counseling, post bankruptcy education, and student loan counseling.
690 Taylor Road
Suite 150
Gahanna, OH 43230
Eligibility: Unrestricted
Hours: Monday-Thursday 5am-4pm, Friday 5am-3pm
COMMUNITY ACTION PROGRAM OF EAST CENTRAL OREGON
HOMEOWNERSHIP PROGRAM
Provides information, education, and resource referrals to households interested in pursuing homeownership. Connects households to mortgage resources, down payment assistance programs, and foreclosure prevention/default counseling.
721 SE 3rd Street
Suite D
Pendleton, OR 97801
Eligibility: Varies by service
Hours: Monday-Thursday 8am-5pm, Friday 8am-noon
COMMUNITY CONNECTION OF NORTHEAST OREGON
FORECLOSURE COUNSELING AND HOME BUYER EDUCATION
Provides state- and HUD-approved mortgage delinquency and default resolution counseling, one-on-one pre-purchase counseling, and first-time home buyer workshops. Provides Individual Development Accounts (IDA) for first-time home buyers, obtaining rental housing and vehicle.
2802 Adams Avenue
La Grande, OR 97850
Eligibility: Call for information
Hours: Monday-Friday 8am-noon and 1pm-5pm
DEVNW
DEVNW CORVALLIS
FINANCIAL WELLBEING SERVICES
Provides classes, workshops, and one-on-one counseling in the areas of homeownership and personal finance. NeighborWorks Homeownership Center offers HUD-certified homeownership counseling and foreclosure avoidance counseling. Also provides one-on-one financial counseling and student debt counseling.
257 SW Madison Avenue
Suite 200
Corvallis, OR 97333
Eligibility: Varies by program
Hours: Monday-Thursday 8am-6pm
DEVNW
DEVNW OREGON CITY
FINANCIAL WELLBEING SERVICES
Provides classes, workshops, and one-on-one counseling in the areas of homeownership and personal finance. NeighborWorks Homeownership Center offers HUD-certified homeownership counseling and foreclosure avoidance counseling. Also provides one-on-one financial counseling and student debt counseling.
421 High Street
Suite 110
Oregon City, OR 97045
Eligibility: Varies by program
Hours: Monday-Thursday 8am-6pm
DEVNW
DEVNW SALEM
FINANCIAL WELLBEING SERVICES
Provides classes, workshops, and one-on-one counseling in the areas of homeownership and personal finance. NeighborWorks Homeownership Center offers HUD-certified homeownership counseling and foreclosure avoidance counseling. Also provides one-on-one financial counseling and student debt counseling.
528 Cottage Street NE
Suite 304
Salem, OR 97301
Eligibility: Varies by program
Hours: Monday-Thursday 8am-6pm
DEVNW
DEVNW SPRINGFIELD
FINANCIAL WELLBEING SERVICES
Provides classes, workshops, and one-on-one counseling in the areas of homeownership and personal finance. NeighborWorks Homeownership Center offers HUD-certified homeownership counseling and foreclosure avoidance counseling. Also provides one-on-one financial counseling and student debt counseling.
212 Main Street
Springfield, OR 97477
Eligibility: Varies by program
Hours: Monday-Thursday 8am-6pm
HACIENDA COMMUNITY DEVELOPMENT CORPORATION
HOMEOWNERSHIP PROGRAM
Offers bilingual homeownership counseling for first-time homebuyers, as well as those facing foreclosure. Also offers a HUD-certified homebuying course, and access to down payment assistance options.
6700 NE Killingsworth Street
Portland, OR 97218
Eligibility: Unrestricted
Hours: Monday-Friday 8:30am-5pm
KLAMATH HOUSING AUTHORITY
HOMEPATH
Offers homeownership counseling for first-time homebuyers and homeowners facing foreclosure. Includes information about first-time homebuyer loan programs and how to develop a sustainable plan after a home purchase. Also offers financial counseling to create budgets, make plans to reduce debt, improve credit scores, and build financial stability. Includes information about Individual Development Accounts. Also offers a "Ready to Rent" workshop for those interested in renting a place to live.
1445 Avalon Street
Klamath Falls, OR 97603
Eligibility: Unrestricted
Hours: Monday/Thursday 6:30am-3:30pm, Tuesday/Wednesday 9am-5:30pm, Friday 10am-3pm
MID-COLUMBIA AND COLUMBIA GORGE HOUSING AUTHORITIES
MID-COLUMBIA HOUSING RESOURCE CENTER
HOUSING RESOURCE CENTER
Provides education and information and referral on housing issues, as well as some financial assistance for homebuyers and homeowners, including:
-Homebuyer education classes and workshops
-Financial education and workshops
-Pre- and post-purchase counseling for homebuyers
-Foreclosure counseling
-Down payment assistance
-Information for renters
-Information about maintaining and repairing a home, as well as home repair loans

Classes are held monthly at Columbia Gorge Community College in Hood River and The Dalles. Also informs the public about trends in the marketplace using current statistics in the Mid-Columbia region.
500 E 2nd Street
The Dalles, OR 97058
Eligibility: Varies by service
Hours: Monday-Thursday 8:30am-noon and 1pm-5pm and by appointment
MONEY MANAGEMENT INTERNATIONAL
HOUSING COUNSELING SERVICES
Provides multiple housing counseling services, including home pre-purchase counseling, HUD-approved mortgage default counseling, and reverse mortgage counseling.

-Home pre-purchase counseling: HUD-certified housing counselors review the household budget and credit report to determine how much a client can afford for a house payment, help clients weigh financing and down payment options, and help clients understand the home buying process.

-Mortgage default counseling: Housing counselors work with struggling homeowners and their mortgage lenders to determine possible options for avoiding default and foreclosure.

-Reverse mortgage counseling: Home Equity Conversion Mortgage (HECM) counselors work with older adults interested in tapping their equity, informing them of the impacts of the loan, the cost, and potential alternatives.

The ClearPoint office in Portland partners with community organizations and businesses, including Rent Well, Home Forward, Community Action, Oregon Opportunity Network, and Oregon Jump$tart. ClearPoint credit counselors in Portland also provide educational outreach and give community presentations.
10260 SW Greenburg Road
Office 412
Tigard, OR 97223
Eligibility: Pre-purchase and mortgage default counseling: Unrestricted
Reverse mortgage counseling: Adults ages 62 and older
Hours: National Call Center Hours: 24 hours per day / 7 days per week
Local Office Hours: Tuesday-Thursday 9am-3pm
NATIVE AMERICAN YOUTH AND FAMILY CENTER
HOMEOWNERSHIP PROGRAM
Provides culturally specific homeownership coaching, education, and programming to help people buy and keep their homes, increase homeownership opportunities for Portland's Urban Native Community, and close the Native homeownership gap. NAYA Family Center is a HUD-approved counseling agency and equal housing opportunity provider.
5135 NE Columbia Boulevard
Portland, OR 97218
Eligibility: Primarily serves self-identified Native Americans, but provides homeownership services to all who request them.
Hours: Monday-Friday 9am-5pm
NEIGHBORIMPACT
FORECLOSURE INTERVENTION
Foreclosure intervention services include an educational workshop and one-on-one coaching with a HUD-certified housing coach to help clients determine which course of action they would like to take. Coaches can facilitate applying for a loan modification and negotiating with the lender.
2303 SW 1st Street
Redmond, OR 97756
Eligibility: Workshops: Unrestricted
Coaching: Households at risk of losing their primary residence
Hours: Monday-Friday 8:30am-4:30pm
NEIGHBORIMPACT
NEIGHBORIMPACT BEND
FORECLOSURE INTERVENTION
Foreclosure intervention services include an educational workshop and one-on-one coaching with a HUD-certified housing coach to help clients determine which course of action they would like to take. Coaches can facilitate applying for a loan modification and negotiating with the lender.
20310 Empire Avenue
Suite A100
Bend, OR 97701
Eligibility: Workshops: Unrestricted
Coaching: Households at risk of losing their primary residence
Hours: Monday-Friday 8:30am-4:30pm
OPEN DOOR HOUSINGWORKS
OPEN DOOR HOUSING COUNSELING
A Housing and Urban Development (HUD) certified counseling agency that provides a mortgage foreclosure prevention program (prevention counseling, advocacy with lenders, money management, and loss mitigation), pre-purchase homeownership counseling and workshops (preparing for homeownership, obtaining a mortgage, shopping for a home, closing on a home, insuring investment, and life as a homeowner). Also provides reverse equity counseling to older adult homeowners.
34420 SW Tualatin Valley Highway
Hillsboro, OR 97123
Eligibility: Low- to moderate-income households
Reverse equity program: Age 62 and older
Hours: Monday-Friday 9am-5pm and one Saturday each month
OREGON HOUSING AND COMMUNITY SERVICES
OREGON HOUSING AND COMMUNITY SERVICES (OHCS)
Provides financial and program support to create and preserve opportunities for affordable housing. Administers programs that provide housing stabilization using some federal and state funds. These programs may include anti-poverty, ending homelessness, energy assistance, and community service programs. Also assists in the financing of single-family homes, the new construction or rehabilitation of multifamily affordable housing developments, and the provision of grants and tax credits to promote affordable housing. Also maintains a directory of local Housing Counselors.
725 Summer Street NE
Suite B
Salem, OR 97301
Eligibility: Varies by program
Hours: Monday-Friday 8am-5pm
PORTLAND COMMUNITY REINVESTMENT INITIATIVES INC
HOMEBUYER EDUCATION AND COUNSELING
The Homebuyer Education and Counseling program is designed to help first-time homebuyers access and maintain stable homeownership. Services include individualized pre-purchase counseling, group homebuyer education, financial fitness certification, and post-purchase support. Also includes information on financial wellness and Individual Development Accounts.
6329 NE Martin Luther King Jr Boulevard
Portland, OR 97211
Eligibility: Low- and moderate-income households
Hours: Office: Monday-Friday 8:30am-5pm
Orientations: 1st Wednesday of the month 1pm, 3rd Wednesday of the month 6pm
UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PORTLAND FIELD OFFICE
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)
Provides referrals and information about income-based housing through local Public Housing Authorities and other providers, Federal Housing Administration (FHA) loans, manufactured housing; and referrals to HUD-approved housing counseling agencies for foreclosure, purchase, reverse mortgage, and budgeting assistance. A list of HUD-funded housing is available online.
1220 SW 3rd Avenue
Suite 400
Portland, OR 972042825
Eligibility: Income restrictions vary by program. Acceptance of rental application is at apartment manager's discretion.
Hours: Monday-Friday 8am-4:30pm, closed federal holidays
Message line: 24 hours per day / 7 days per week
UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT SEATTLE REGIONAL OFFICE
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)
Provides referrals and information about income-based housing through local Public Housing Authorities and other providers, Federal Housing Administration (FHA) loans, manufactured housing; and referrals to HUD-approved housing counseling agencies for foreclosure, purchase, reverse mortgage, and budgeting assistance. A list of HUD-funded housing is available online.
909 First Avenue
Suite 200
Seattle, WA 981041000
Eligibility: Income restrictions vary by program. Acceptance of rental application is at apartment manager's discretion.
Hours: Monday-Friday 8am-4:30pm, closed federal holidays
Message line: 24 hours per day / 7 days per week
COMMUNITY ACTION PROGRAM OF EAST CENTRAL OREGON
HOMEOWNERSHIP PROGRAM
COMMUNITY CONNECTION OF NORTHEAST OREGON
FORECLOSURE COUNSELING AND HOME BUYER EDUCATION
DEVNW
FINANCIAL WELLBEING SERVICES
DEVNW
FINANCIAL WELLBEING SERVICES
DEVNW
FINANCIAL WELLBEING SERVICES
DEVNW
FINANCIAL WELLBEING SERVICES
HACIENDA COMMUNITY DEVELOPMENT CORPORATION
HOMEOWNERSHIP PROGRAM
KLAMATH HOUSING AUTHORITY
HOMEPATH
MID-COLUMBIA AND COLUMBIA GORGE HOUSING AUTHORITIES
HOUSING RESOURCE CENTER
MONEY MANAGEMENT INTERNATIONAL
HOUSING COUNSELING SERVICES
NATIVE AMERICAN YOUTH AND FAMILY CENTER
HOMEOWNERSHIP PROGRAM
NEIGHBORIMPACT
FORECLOSURE INTERVENTION
NEIGHBORIMPACT
FORECLOSURE INTERVENTION
OPEN DOOR HOUSINGWORKS
OPEN DOOR HOUSING COUNSELING
OREGON HOUSING AND COMMUNITY SERVICES
OREGON HOUSING AND COMMUNITY SERVICES (OHCS)
PORTLAND COMMUNITY REINVESTMENT INITIATIVES INC
HOMEBUYER EDUCATION AND COUNSELING
UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)