Oregon
Oregon Revised Statutes § 86.735. Both foreclosure state.
Judicial Type
Both
Redemption
No statutory right of redemption after non-judicial trustee
Deficiency
After non-judicial foreclosure under the Trust Deed Act: def
Mediation
Oregon Foreclosure Avoidance Program: mandatory mediation fo
Statute Citation
Or. Rev. Stat. §§ 86.705-86.815 (Oregon Trust Deed Act)
Redemption Period
No statutory right of redemption after non-judicial trustee sale. The sale is final — no post-sale redemption. Judicial foreclosures may have redemption under limited circumstances.
Deficiency Judgment Rule
After non-judicial foreclosure under the Trust Deed Act: deficiency is PROHIBITED for residential trust deeds on owner-occupied property that secured purchase money. After judicial foreclosure: deficiency permitted with fair value limitation.
Notice Requirements
Notice of sale recorded and mailed to borrower 120 days before sale. Notice published once per week for 4 consecutive weeks and posted on property. Oregon has detailed notice requirements under the Oregon Trust Deed Act.
Mediation Program
Oregon Foreclosure Avoidance Program: mandatory mediation for certain residential foreclosures. Mediation must be requested after notice of resolution conference.
Key Provisions
- Most residential foreclosures use the Oregon Trust Deed Act (non-judicial)
- Anti-deficiency protection for purchase-money residential trust deeds
- 120-day notice of sale
- Mandatory mediation program
Homeowner Protections
- No deficiency on purchase-money residential trust deeds
- 120-day pre-sale notice
- Mandatory mediation (Foreclosure Avoidance Program)
- Strict notice requirements — deviations void the sale
Frequently Asked Questions
Do I qualify for Oregon's anti-deficiency protection?+
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