HUD has a program called HUD Officer Next Door. This program is mostly to help law enforcement people and
firefighters/EMT's to become homeowners in revitalization areas. HUD wants to improve neighborhood across the
United States. They believe one way of doing that is offering HUD Homes to
people with certain occupations so that they can live in the community that they work in. HUD believes this will
lead to a more stable neighborhood.
Two of these occupations are Law Enforcement Officers and Firefighter/Emergency Medical
Technicians. The thinking is an officer or firefighter next door would help improved public safety.
The HUD Officer Next Door (OND) Program and the Firefighter Next Door Program has been rolled into the
Good Neighbor Next Door Sales Program (GNND) along with the
HUD Teacher Next Door Program . The
GNND program will help make the goal of improving neighborhoods across the nation a reality by encouraging these
valuable professional public servants to become homeowners in revitalization areas.
HUD Officer Next Door Program And HUD Firefighter Next
Door Program |Who Can Participate?
Law Enforcement Officer
You must be a full-time, sworn law enforcement officer who is "employed full-time by a Federal, state, county or
municipal government; or a public or private college or university."
You must be "sworn to uphold, and make arrests for violations of, Federal, state, county, or municipal law."
Your employer must certify that you are a full-time police officer with the general power of arrest.
Firefighter/Emergency Medical Technicians
You may participate in the Good Neighbor Next Door Program as a Firefighter/Emergency Medical Technician if you
are employed full-time as a firefighter or emergency medical technician by a fire department or emergency medical
services responder unit of the federal government, a state, unit of general local government, or an Indian tribal
government serving the area where the home is located.
To be able to take part in this program as a Firefighter/Emergency
Medical Technicians you must be employed full-time as a firefighter or EMT by a fire department or emergency
medical services responder unit of a local government, state or federal government or even an Indian tribal
government in the area your are planning on living and buy a HUD home for sale.
You don't have to be a first-time homebuyer to participate. However, you cannot own any other home at the time
you close on your HUD Officer Next Door home. You must agree to live in the HUD Officer Next Door home as your only
residence for three years after you move into it.
The single family homes are listed through the GNND program and are only available for 5 days to bid on.
How Do I
HUD Officer Next Door Program (GNND Program) property is listed and sold exclusively over the Internet.
Properties are single family homes located in Revitalization Areas.
Properties available through the program are marked with a special Officer Next Door button. You have to use a
real estate agent to make a bid and your bid must be the amount of the list price.
Some changes have been make recently to the GNND program and one of them is HUD will not pay any of the buyer's
closing costs or any real estate commissions. You will have to work with your real estate agent on how much
commissions the agent will receive from you.
You may also buy a home from a government agency or a nonprofit organization that bought the home from HUD. When
an agency or nonprofit buys the house, HUD expects the full discount to be passed on to you.
In all cases, HUD requires that you sign a second mortgage and note for the discount amount. No interest or
payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement. The
second mortgage is forgiven after the three-year occupancy requirement has been fulfilled.
What Are The Benefits For The Officer To Buy A HUD
Officer Next Door Home?
The selected bidder may purchase the property at a 50 percent
discount from the list price. For example, if a HUD home is listed for $150,000, an officer can buy it for
$75,000. To make a HUD home even more affordable, you may apply for an FHA-insured mortgage with a down payment of only $100.
If the HUD Officer Next Door home you want to purchase needs repairs, you may use FHA's 203(k) mortgage program. This program allows you to finance
both the purchase of the home and the cost of needed repairs. You have the benefit of one loan for both costs and
one monthly payment.
Discuss These Financing Options With Your
Because homes sold through the Officer Next Door Program are located in Revitalization Areas there may be
additional assistance from state or local government sources. Local or state governments want to encourage families
and businesses to move into Revitalization Area neighborhoods. Contact your state government housing office or
local municipal government and request information on assistance for homebuyers.
The HUD Officer Next Door Program, the Firefighter/Emergency Medical Technician Next Door Program, and HUD
Teacher Next Door Program are all similar in the way a person participate, how the property is listed and
purchased, and the requirements for how it is paid for. The major difference is the qualifications to participate.
This program certainly can be a win-win for the buyers and the neighborhoods!