Currently the US Government have many programs to help people who are having trouble making the payments on their mortgages. These programs are all brought together and explained on the Making Home Affordable website.
Neighbor Impact provides counseling for home owner who are facing foreclosure in Deschutes and Crook county.
If your loan is owned by Fannie Mae, their Know Your Options website has a lot of good info. If you don’t know if your loan is owned by Fannie Mae they have a loan checker on their webpage so you can easily find out.
There are a few other non-profit websites that provide good information and counseling.