If you fall behind in your monthly house payments, the lender may try to take the house back. This is generally called foreclosure. If a house is foreclosed, you may lose not only your house, but try these out also all of the money you’ve invested. Currently, there is a foreclosure moratorium in place in Oregon. Visit the division’s COVID-19 mortgages page for more information. HUD Certified Housing Counselor—An individual with training and expertise in mortgages, foreclosures, and workouts who provides advice and assistance to homeowners with mortgage foreclosure problems. While these individuals are certified by HUD as having the proper credentials to advise homeowners, they are not attorneys and cannot represent homeowners in court cases. HUD certified housing counselors work for non-profit organizations and do not charge homeowners for their services.