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What Are HUD Homes?

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.

Who Can Buy a HUD Home?

Anyone who has the required cash or can qualify for a loan (subject to certain restrictions) may buy a HUD Home. HUD Homes are initially offered to owner-occupant purchasers (people who are buying the home as their primary residence). Following the priority period for owner occupants, unsold properties are available to all buyers, including investors.

What would make me not eligible to buy a property?

Owner-occupants are not eligible if they purchased a HUD property as owner-occupants in the past two (2) years.


Can I bid on homes myself?

No. HUD requires all bids be submitted through a HUD-registered broker.

How do I register on the site?

If you are an Associate Broker or Selling Agent, your Principal Broker must register first before you can register with HUDHomestore.com.

When you register as an Associate Broker or Selling Agent, you will need to use your Principal Broker's NAID. You will also need your personal Real Estate license number and expiration date.

Here's a guide (PDF) showing you how to register:
HUD Homestore Bidder Registration

There's also some videos (which may take some time to load):
Registering a Principal Broker
Registering a Selling Agent or Associate Broker

How do I submit an offer?

1. You must be registered on HUDHomestore.com as a bidder before you can submit offers for HUD-owned properties.
2. You must be licensed and registered in the state in which the property is located.
3. You can submit bids only on properties that are actually listed on the website at the time you
submit the offer.

Here's a guide (PDF) that gives you the details on submitting an offer:
HUD Homestore Bid Submission

There's also a video (which may take some time to load):
Entering a Bid for a Property




HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination, and transform the way HUD does business.

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