If you are facing foreclosure in Oregon, or just struggling to make mortgage payments, it pays to learn about the steps in an Oregon foreclosure as well as the various programs available to help you avoid foreclosure.

Traditionally, most foreclosures in Oregon have been nonjudicial -- meaning they don't go through the court system. However, because of Oregon's new foreclosure mediation prevention program, which is mandatroy for nonjudicial foreclosures but not for judicial foreclosures, most Oregon lenders are now pursuing judicial foreclosures (which go through court). In the below articles, you can learn about the key features of Oregon's foreclosure procedures, the new mediation program, and details of the government program (Oregon's Homeownership Stabilization Initiative) that provides assistance to some struggling homeowners.