How to purchase a HUD Home

What is a HUD Home?

A HUD home is a 1-to-4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage. HUD becomes the property owner and offers it for sale to recover the loss on the foreclosure claim.

The homes are sold through a bid process via the HUD online portal and require the use of a HUD Registered Real Estate agent and can be very confusing to agents not familiar with the process required to submit offers. Not all agents are registered with HUD and therefore do not have access to submit buyer bids for HUD homes.  Because of this many agents do not even attempt to show or sell HUD homes to their buyers.

These homes can be in varying conditions depending on how the property was left when the prior owners vacated. The homes are sold AS-IS and HUD will not do any repairs, this is a great way to purchase "fixer uppers" at a fair price. Some of the homes require significant work while others only require cosmetic repairs.


If you are ready to search for your HUD Home follow this link to search for available properties near you:


If you know of someone who could use this information please feel free to forward to them or provide them with my contact information.

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Karen Totty
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