Polk-Yamhill Regional Housing Center

The Polk-Yamhill Regional Housing Center – a partnership between Polk CDC and the Housing Authority of Yamhill County – offers classes, counseling, and Resource Centers in Dallas, and McMinnville. Our services include:


    Financial Fitness and the ABC’s of Home buying help Polk County residents take control of their finances and learn safe, sustainable paths towards homeownership. Contact us at 503-831-3173 or info@polkcdc.org to learn more!

    First-Time Homebuyer Counseling

    Interested in buying a home, but don’t know where to start? Our program manager can help you make an individualized plan to improve your credit, pay-down your debt, and save for your own down-payment. We can also sit-in on meetings with your lenders, and make sure that you understand the process of safely and sustainably purchasing your first home.

    To make an appointment or for more information, contact the program manager at 503-831-3173 or at info@polkcdc.org.

    Rental Homes

    Polk CDC develops hight quality, well-maintained affordable housing communities throughout Polk County. Consider our communities for your next home (Here).

    Foreclosure Prevention

    Facing foreclosure or worried about mortgage default? Call us. We can help you review your situation and, if necessary, refer you to a credible, experienced foreclosure counselor for in-depth assistance. Whether or not you decide to keep your home, the Polk-Yamhill Regional Housing Center can help you work with your servicer and find the best options for your situation. Since 2011 Polk CDC has helped nearly 500 families save their home from foreclosure.

    To make an appointment or for more information, contact Polk CDC’s program manager at 503-831-3173 or at info@polkcdc.org.

    Resource Center and Referrals

    Polk CDC collaborates with many countywide service providers, both State and local, to bring Polk County residents assistance to secure and maintain affordable housing. Visit our Resource Center locations in Dallas and McMinnville to learn more about homeownership, affordable rental housing, and related programs in Polk and Yamhill Counties. (Go to links for ARCHES, WVHA, DHS, PCBH, Titus 3, and the Resource Center).

    Individual Development Account (IDA)

    Manage your debt and get a 3-to-1 match on your personal savings towards homeownership, higher education, or small business development. Polk CDC is one of the eight founding members of the Valley Individual Development Account (VIDA) collaborative, which has grown to include 42 community-based organizations throughout the State of Oregon. The VIDA program – administered through CASA of Oregon – matches $3 for every $1 of participant savings towards:

      Post – Secondary Education
      Worforce Training
      Small Business Start-Up or Expansion
      Home Repair or Rehabilitation
      Adaptive Equipment or Technology to Obtain or Maintain Employment
    In order to qualify for the VIDA program you must:

      Be 12 years or older
      Be an Oregon resident
      Have a net worth of less than $20,000 (Excluding a primary home and one vehicle)
      Earn less than 80% of the Area Median Income (AMI) for your county, based on your household size (See the income limits for Polk County Here)
      Be able to hold a savings account
    In order to graduate from the program you must:

      Work with our IDA Specialists to make a financial plan and budget
      Make regular monthly deposits into your IDA account
      Attend a 10-hour Financial Education Class
      Attend training specific to your asset goal (e.g.: The ABC’s of Home buying for ownership or the MERIT 30-hour training session for small business)

Individual Development Accounts (IDAs) alleviate poverty by helping low and moderate income individuals build assets that help stabilize their personal finances and provide a foundation for long-term planning and wealth-building. To find out more or to apply, please contact our Housing Program Manager at 503-831-3173 or email us at info@polkcdc.org

The IDA initiative is supported by funding from the Oregon IDA Tax Credit. The Oregon IDA Tax Credit allows you to support programs like ours and get a 75% credit back on your state tax return. For more information, go to http://ida.neighborhoodpartnerships.org/

    Mortgage Payment Assistance (MPA) Program

    Polk Community Development Corporation is the Intake Agency for Polk County homeowners at risk of losing their home. Oregon Housing and Community Services administers the Hardest Hit Fund through the Oregon Homeownership Stabilization Initiative (OHSI). Two foreclosure prevention programs opened up in 2016. The program “Home Rescue” will provide assistance to homeowners struggling to pay their mortgage in two ways (up to 12 payments with a maximum benefit of $20,000), and a reinstatement payment to bring their mortgages current (up to $15,000).

    The second program, “Loan Preservation Assistance (LPA) will provide assistance to homeowners that have fallen behind in their mortgage payments or property taxes with a maximum reinstatement benefit of up to ($40,000).

Dallas Center:
Polk Community Development Corporation (Polk CDC)
657 Main Street
Dallas, Oregon 97338
Email: info@polkcdc.org

McMinnville Center:
Yamhill County Affordable Housing Corporation
135 NE Dunn Place
McMinnville, Oregon 97128
Email: resourcecenter@hayhc.org

We can also provide information on programs such as:

    Housing Rehabilitation Loans