Oregon foreclosure and tax sale rules

How foreclosure works

Usual process: Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes: Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes: Or. Rev. Stat. § 86.726; Or. Rev. Stat. § 86.729; Or. Rev. Stat. § 86.752; Or. Rev. Stat. § 86.756; Or. Rev. Stat. § 86.764; Or. Rev. Stat. § 86.774; Or. Rev. Stat. § 86.778; Or. Rev. Stat. § 86.782; Or. Rev. Stat. § 86.797
From a reputable summary[1]
Typical length (estimate): Not researched yet for this state.

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
+At least 75 days
Notice of default / right to cure — at least 75 days before the next step
Before recording a notice of default, the lender must notify you about a resolution conference (mediation), which takes place within 75 days of that notice if you take part (meet a housing counselor first; a fee applies, with waivers).
From a reputable summary
Ask for mediation — your state gives you the right to request it
Oregon foreclosure resolution conference. Notice comes before the notice of default; the conference is within 75 days if you agree to take part.
From a reputable summary
Notice of sale — at least 120 days before the sale
The notice of sale is served or mailed 120 days before the sale, with a separate “danger” notice, and published for four weeks.
From a reputable summary
+At least 120 days
Foreclosure sale
After 9:00 a.m. and before 4:00 p.m. in the county where the property is.
From a reputable summary
Redemption window
None after a nonjudicial sale (the trustee may rescind within 10 days if a workout or reinstatement was agreed). After a judicial foreclosure, 180 days.
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: At least 75 daysBefore recording a notice of default, the lender must notify you about a resolution conference (mediation), which takes place within 75 days of that notice if you take part (meet a housing counselor first; a fee applies, with waivers).
Or. Rev. Stat. §§ 86.726, 86.729
From a reputable summary[1]
Notice of sale: At least 120 daysThe notice of sale is served or mailed 120 days before the sale, with a separate “danger” notice, and published for four weeks.
Or. Rev. Stat. §§ 86.752, 86.756, 86.764, 86.774
From a reputable summary[1]
Publication: Newspaper for four weeks.
From a reputable summary[1]
When sales happen: After 9:00 a.m. and before 4:00 p.m. in the county where the property is.
Or. Rev. Stat. § 86.782
From a reputable summary[1]

Catching up (reinstatement): Until five days before the sale; fees you can be charged are capped.
Or. Rev. Stat. § 86.778
From a reputable summary[1][2]
Buying the home back (redemption): LimitedNone after a nonjudicial sale (the trustee may rescind within 10 days if a workout or reinstatement was agreed). After a judicial foreclosure, 180 days.
Or. Rev. Stat. §§ 86.782, 86.797, 88.106
From a reputable summary[1][2]
Owing money after the sale (deficiency): NoNot after a nonjudicial foreclosure, and not in a judicial foreclosure of a residential trust deed (owner-occupied 1–4 units).
Or. Rev. Stat. §§ 86.705, 86.797
From a reputable summary[1][2]
Mediation: Available on requestOregon foreclosure resolution conference.Notice comes before the notice of default; the conference is within 75 days if you agree to take part.
Or. Rev. Stat. §§ 86.726, 86.729
From a reputable summary[1]

Tax sale system: Forfeiture to the government
County tax foreclosure judgment, then a deed to the county after a 2-year redemption period — no tax sale or lien auction.
From a reputable summary[3]
How it works: Taxes unpaid by May 15 are delinquent; property is subject to foreclosure three years later. The county publishes a foreclosure list and seeks a judgment; you can answer within 30 days of first publication.
From a reputable summary[3]
Redeeming after a tax sale: Two years after the foreclosure judgment; you may live in the home meanwhile (it can end early for waste or abandonment). Notice comes at least a year before the deadline.
Or. Rev. Stat. §§ 312.120, 312.122, 312.125, 312.200
From a reputable summary[3]
Relief programs: Property tax deferral (county tax collector) — You might qualify for a deferral — ask the county tax collector.
From a reputable summary[3]
Payment plans: Taxes are payable in thirds (Nov. 15, Feb. 15, May 15), with discounts for early payment.
From a reputable summary[3]
Surplus after a tax sale: Changed after Tyler v. Hennepin County (2023).HB 2089 (signed July 17, 2025) requires counties to try to locate owners, send detailed notices, and sets up a process to claim surplus after a foreclosed property is sold.
From a reputable summary[3]

Federal exemption list: You may choose the federal list
You may choose the federal bankruptcy exemption list (11 U.S.C. § 522(d)) instead of the state list — one list or the other, never a mix.
From a reputable summary[4]
Homestead exemption: $158,300 ($316,700 two or more debtors)$158,300; $316,700 where two or more household members are debtors.(Or. Rev. Stat. § 18.395)
From a reputable summary[5]

Free legal aid (LSC-funded): Legal Aid Services of Oregon
Checked against the official text[7]
Legal help website: OregonLawHelp.org
Checked against the official text[8]
State housing agency: Oregon Housing and Community Services — Homeownership
Checked against the official text[6]
Attorney general / consumer protection: Oregon Department of Justice — Consumer Protection
Checked against the official text[9]
Court self-help: Oregon Judicial Department
Checked against the official text[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.