Help is on the way for 5000 Oregon homeowners having trouble paying their mortgages.  On December 10th, the Oregon Mortgage Assistance Program will start taking applications.  Administrator Mike Caplan says the program is funded with $100-million.  Homeowners don't need to be behind on payments, only show a loss of income.  The deadline to apply is January 14th.  For more information go to: www.Oregonhomeowner.org.