Oregon allows both judicial and non-judicial foreclosure. OR requires mandatory mediation in many cases and offers a 180-day right to cure for certain loans. Free consultation.
Oregon is a non-judicial foreclosure state under ORS Chapter 86 with strong consumer protections. Timeline: approximately 180-240 days. Oregon offers a robust foreclosure mediation program and a 180-day right of redemption after sale for most owner-occupied homes (ORS §86.782). Deficiency judgments are not allowed for residential trust deed foreclosures (ORS 86.770).
Oregon uses non-judicial foreclosure. Process: (1) lender sends notice of default with 120-day cure period, (2) notice of sale published, (3) you can request mediation, (4) trustee's sale, (5) 180-day redemption for owner-occupied homes. No deficiency for residential trust deeds — a major consumer protection.
Lender must give 120 days to cure — one of the longest mandatory cure periods. Request mediation. Use this 4-month window.
You can request mandatory mediation. Notice of sale published. Trustee sale scheduled. Total: 180-240 days from default.
180 days to redeem (ORS §86.782) owner-occupied homes. No deficiency for residential trust deeds (ORS 86.770).
ORS §86.782 — 6 months to redeem owner-occupied homes.
ORS 86.770 — no deficiency for residential trust deeds.
One of the longest mandatory cure periods in the U.S.
Request mediation — lender must participate.
Up to $40,000 equity in bankruptcy.
180-240 days. Redemption adds 180 more days.
Cure within 120-day period. Pay past-due amounts.
Use OR's mediation and cure period to negotiate.
We represent you at mandatory OR mediation.
Automatic stay. OR allows federal exemptions.
No deficiency for residential — safe exit in OR.
Audit for ORS Chapter 86 violations.
180-day redemption — no deficiency for residential. Free, confidential review.
Oregon allows both non-judicial (most common) and judicial foreclosure. The process takes about 5 months. OR requires mandatory foreclosure mediation in many cases and offers a 180-day right to cure for certain owner-occupied loans.
Lender records NOD. 180-day cure. Mandatory mediation offered for many loans.
120-day notice required. Published in newspaper for 4 weeks.
Auction held. No redemption. Anti-deficiency on trust deeds.
OR's mediation program and 180-day cure period are powerful tools. Use them. Free consultation.