Homeownership & Related Services
Home Buyers Assistance Programs
ACCESS offers homeowner education, housing counseling, and down payment assistance programs for potential homebuyers in Southern Oregon. We also provide assistance to existing homeowners struggling to pay their mortgage, behind on property taxes, or facing default.
One-on-one pre-purchase counseling analyzes each household’s individual situation with the goal of helping them achieve their dream of homeownership. During the counseling session, we discuss different down payment assistance options. Prior to participating in pre-purchase counseling, households must first complete a homebuyer education course. ACCESS also offers additional counseling services, including financial literacy, post-purchase and default counseling.
Oregon Housing & Community Services Home Ownership Assistance Program
The Home Ownership Assistance Program (HOAP) is a down payment and closing cost assistance program designed to help low-to-moderate income first-time homebuyers purchase a home in Jackson or Josephine County. HOAP Information Brochure
Rogue Valley Association of Realtors/Oregon Association of Realtors HOME Foundation First-Time Homebuyer Assistance Program
The RVAR/OAR HOME Foundation Buyers Assistance Grant provides up to $2,500 toward down payment, closing costs, or prepaid items, with the homebuyer contributing a minimum of $500 of their own funds in the transaction. RVAR/OAR HOME Foundation Buyers Assistance Grant Information Brochure
Other Homeowner Assistance Programs
Individual Development Accounts (IDA’s)
Individual Development Accounts are no-fee matched savings accounts available to eligible low-income households. Funds saved in IDA’s can be used towards home purchase or home repair. Check PDF for eligibility and application information.
Mortgage Payment Assistance
We administer the Oregon Homeowner Stabilization Initiative (OHSI) program for Jackson and Josephine Counties. This program assists existing homeowners in who are struggling to pay their mortgage, behind on property taxes, or facing default.
ACCESS offers financial literacy education and counseling services. Financial education is offered as a live in-person class and also as an online money management course through eHome America to help you reach your financial goals.