Buying HUD Homes – How to Apply Online

Buying HUD homes is not much different from a usual homebuying process. However, there are certain distinguishing features that a buyer must know before beginning to apply for a HUD home.

  • The buyer must be accompanied by a HUD-approved broker or agent to place a bid on a property listed on, the official property listing website of the U.S. Department of Housing and Urban Development.
  • A buyer must hire a professional home inspection service to ensure the property is free of visible or hidden defects as HUD homes are sold “As-IS”.

How do I apply for a HUD Home?

If you are one among the six types of buyers, you may be able to apply by placing a bid on a HUD home for sale that you see listed at or other online resources. These borrower types include owner occupants, Good Neighborhood Next Door (GNND) buyers, Investors, Approved Government Agencies, Approved Nonprofit Organizations, and Buyers of Dollar Homes.

To apply, you must hold a valid Tax ID issued in the United States and have enough money, either in cash or through a mortgage loan, to buy the property. A pre-approval letter is, thus, necessary to bid for a HUD house. Moreover, you also need to hire a HUD broker or agent to place the bid.

What are the types of houses available at HUD Home Store websites?

The types of houses range from one-to-four unit single-family residence to condominium and townhome. These houses and apartments for sale have come under the possession of HUD as a result of foreclosures, which happen when the borrowers default on FHA-insured loans. HUD maintains and sells these properties at “As IS” market value based on a recent appraisal through a number of asset managers, real estate agents, brokers, and real estate companies, such as PEMCO and BLB Resources.

Where can I find a HUD Home?

You can search for HUD houses for sale, located anywhere from Florida to California, on HUD Home store websites, such as and, and in the local Multiple Listing Service (MLS).

Can I sign up for HUD housing online?

You can sign up as a bidder to place bids on the properties listed on HUD Home Store websites. Using the website, you can search for apartments for sale and see property listing details, including the phone numbers of the asset managers and brokers that you need to contact to complete the bidding process.

Is it possible to buy a house with bad credit?

You should try to qualify for an FHA loan. Federal Housing Administration is an arm of the U.S. Department of Housing and Urban Development, insuring loans that meet its specific criteria for the purchase of a home. All leading lenders offer a selection of such mortgage options for borrowers who might have a less-than-perfect credit score or fall short on the lender’s usual down payment requirements. FHA is just an insurer and doesn’t make loan.

Can I buy a house that is in need of repair?

If you found out that a house is in need of repair, following a home inspection process, you can still place a bid for the same. However, you may also want to secure additional financing to do the rehabilitation construction. An FHA 203(k) Rehabilitation Loan can be a good HUD housing assistance option. Complete a relevant HUD application form online to apply for this loan program.

What is HUD PEMCO?

PEMCO is a Hawaii based company, serving as one of the HUD Asset Manager Contractors for five contract areas. Its corporate office is located in Honolulu, but also has offices in Atlanta, Denver and Sacramento. Its website is

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