HUD-Local Housing Counseling Agency

Providing services for Baker, Grant, Union, and Wallowa counties

The Housing Resource Center exists to help homeowners and prospective homeowners with a variety of services directly related to obtaining or retaining a primary residence.  Our goal is to provide information, education, and workout options to make the process of homebuying and home retention easier and less stressful.  A trained housing counselor works one-on-one with clients to maximize the opportunities by working through the steps available to produce positive results.


The Down Payment Assistance Loan Program, funded by Oregon Housing and Community Services (DPA), was initiated in response to helping first-time homebuyers purchase a home and to create an affordable mortgage payment. The target area is Community Connection’s four-county geographic area of Baker, Grant, Union, and Wallowa.

The goals of the Down Payment Assistance Program are:

  1. To increase housing opportunities for households of all diversities below median income.
  2. To help create an affordable mortgage payment for first-time homebuyers by contributing to the down payment.
  3. To broaden the scope of purchase affordability by leveraging down payment funds.
  4. To help defray closing costs.
  5. To promote housing stability by creating a five-year forgivable loan.


In order to be eligible for a DPA Loan, an applicant must meet all of the following requirements. Completed applications will be approved on a first-come, first-served basis. The Housing Resource Center may establish a method of prioritizing applications by using weighted criteria (see Section 4 in full packet).

Residency: Applicant must purchase property in the target area.

First-time homebuyer: Applicant must be a first-time homebuyer (someone who has not owned a home within the past three years).

Maximum Income Requirements: Annual gross income of the applicant household must be less than Area Median Income of county income limits established by HUD. Area Median Income changes annually. Income eligibility is determined at the time of closing.


Baker Grant Union Wallowa
$57,800 $60,500 $63,400 $65,400

DD-214. Veterans must produce a valid DD-214.

Net Worth: Net worth may not exceed $20,000. Excluded from the assets and liabilities used in the “net worth” calculation are the applicant(s) most expensive automobile, up to $60,000 in retirement funds, household furnishings, and cash reserves equal to three months of calculated affordable mortgage payments and when combined with DPA funds, cash reserves do not exceed 20% of down payment

Loan Eligibility

Applicants must be lender-ready within one year of application submission.

Minimum credit score to qualify for lender approval is 620.

Maximum debt-to-income ratio can be no greater than 43%.

Financial Reserves – applicant must demonstrate ability to save capital reserves equal to three mortgage payments by the time of purchase (pursuant to affordability worksheet generated by Housing Resource Center).

The maximum amount that can be loaned on a single property is $15,000.

The maximum amount that can be loaned for Individual Development Account savers is $10,000.

The DPA loan may be used to pay for all or part of a down payment and/or closing costs. DPA funds to be paid directly to title company. At no time will funds be transferred to applicant.


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Foreclosure Prevention Services


Community Connection offers free foreclosure prevention counseling. We are a HUD-approved Local Housing Counseling Agency that is ready to help you find options to resolve delinquent mortgage situations. We work with you and your lender to create a plan of action to prevent foreclosure and avoid future mortgage defaults.

Our counseling is designed for homeowners in financial distress. Every aspect of default and delinquency is addressed, including ways to maximize income and reduce expenses, calculate delinquencies, being proactive before delinquencies occur, and understanding the options in the mortgage marketplace.

Please complete and return the forms in our Intake Packet and letter prior to scheduling an appointment.
Forclosure Avoidance Letter and Intake Packet



On August 4, 2013, the Oregon State Legislature passed Senate Bill 558 (SB558) requiring non-exempt lenders to participate in a Resolution Conference with homeowners prior to beginning foreclosure action.  Community Connection’s Foreclosure Intervention Counselor can help you prepare for your resolution conference by communicating with your servicer and analyzing workout or exit options that may be available to you. Please call 541 963-3186.

Upcoming Workshops

Other Services



Fair Housing Booklet


For more information on the Housing Resource Center programs and individual counseling, contact the Housing Resource Center Manager at:


2802 Adams Avenue

La Grande, Oregon 97850  

Phone:   (541) 963-3186

We all need a place to call home.

A HUD Local Housing Counseling Agency