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What is a HUD Home?


  • A HUD home is an FHA insured mortgage that has gone into default

  • Lender acquires property, submits FHA insurance claim, then conveys ownership to HUD

  • A HUD Home can be a Single Family Residence (SFR), Townhome, Condominium or other type of residence up to 4 units

Who can buy a HUD home?


  • Individuals and investors, HUD-approved non-profit organizations or government entities

  • Buyers who can secure a loan or pay cash to secure real estate

  • Pre-qualification letter from lender or proof of cash funds is required 

  • Priority is given to owner occupants

Who can sell a HUD home?


  • Any licensed real estate broker or agent w/ a NAID # (Name and Address Identification Number) and registered w/ HUD

  • A NAID # is required to submit a bid, but is not required to show a HUD Home

  • Broker and agent must also register to bid on 

  • HUD-registered broker or real estate agent must submit bid on behalf of an owner occupant, investor or Good Neighbor Next Door (GNND) purchaser

  • Registered non-profit organizations and government entities may submit bids without the use of a real estate broker or agent

Where can HUD homes be found?

"Every home is...

   Someone's perfect pearl."

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