Homeownership & Related Services
Individual Development Accounts (Dream$avers)
Matched savings accounts help eligible consumers build financial resources. Funds can be used for higher education, small business start-up or expansion, or purchasing a home. These no-fee savings account (IDA’s) help lower-income families save money and improve lives. Check the PDF information and applications for details.
Home Buyers Assistance Programs:
Help for first-time homebuyers with education, counseling, and down payment assistance programs. ACCESS offers two options for Homebuyer education to provide information on the process of buying a home and becoming “mortgage ready.” Realize the American Dream (RAD) classes, which are live in-person classes, and eHome America classes, which are online classes.
Other counseling services include pre/post-purchase information, foreclosure intervention, & loss mitigation.
Mortgage Payment Assistance:
We administer the Oregon Homeowner Stabilization Initiative (OHSI) program for Jackson and Josephine Counties. This program assists households who are struggling to pay their mortgage, behind on property taxes, or facing default.