Oregon’s home foreclosure rate is now near three percent with about that same number of homeowners within 90 days of foreclosure. Michelle Rogelstad in Representative Kotek's office says it's not just a problem for the affected homeowners. Under a new Oregon law, homeowners facing foreclosure can apply for mediation services to bargain with their lender. In other states similar programs have avoided foreclosure in 50 percent of cases. For more information go to foreclosure mediation or dot org.