An official website of the State of Oregon
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A personal loan can help cover immediate or unexpected expenses, such as an auto or large home appliance repair. Once you make the decision to apply for a loan, you agree to pay back the amount you borrowed (the principal), plus the interest and fees. There are a number of loan types and resources available to meet your needs, but it is important to choose loans carefully.
Foreclosure is the legal process a lender begins to force the sale of a mortgaged property when the borrower has not met the terms of the loan agreement. Foreclosures can also be started by others having a lien on a property, such as the county if property taxes are not paid. Resources are available to help prevent foreclosure, as well as guide homeowners through the foreclosure process.
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