Oregon makes them meet you first, then wait a hundred and twenty days.
A trustee sale with no lawsuit, but a slow, heavily noticed one: the lender must request a resolution conference and send someone with real settlement authority, then give at least 120 days notice of the sale. You can catch up until five days before it, and the lender cannot sue you for a shortfall on the loan after a trustee sale of a home.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Three dates decide an Oregon case. The resolution conference, which the lender must request before any notice of default. The notice of sale, which sets the sale at least 120 days out. And five days before the sale, when the right to catch up ends.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
What Oregon gives you
Rights that exist because the property is in Oregon, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a Oregon foreclosure attorney confirm anything that matters before you act.
Questions people ask about Oregon foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in Oregon?
With no delays or disputes, an Oregon foreclosure runs roughly 299 days from the first missed payment to the trustee sale. The lender must first request a resolution conference and record a certificate of compliance with the notice of default, and the notice of sale must come at least 120 days before the auction. ORS 86.726, 86.752 and 86.764.
What is the Oregon Foreclosure Avoidance Program?
Before foreclosing a residential trust deed the lender must request a resolution conference through a state service provider and take part with someone who has full settlement authority. The homeowner pays a fee of up to $200, and if it is not paid the conference is cancelled. Small lenders that started 30 or fewer residential foreclosures the year before can be exempt. ORS 86.726, 86.729 and 86.732.
How late can I catch up in Oregon?
Up to five days before the date last set for the sale, paying what is past due plus costs, with trustee and attorney fees on a home capped at $1,000 combined. ORS 86.778.
Can an Oregon lender come after me for the shortfall?
No. After a trustee sale the lender may not bring an action for a deficiency on the loan. ORS 86.797.
Is there redemption after an Oregon trustee sale?
No. Redemption applies only after a judicial foreclosure, where the owner has 180 days. ORS 18.964.
How long before Oregon can foreclose for unpaid property taxes?
Taxes must be three years delinquent, and after judgment the county holds the property for two more years in the ordinary case (less if it shows the property was wasted or abandoned) while you can redeem by paying the judgment, interest and a 5% penalty. ORS 312.010, 312.120 and 312.122.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against Oregon law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.