All Loan Programs
Government Program
Good Neighbor Next Door
A HUD program that offers teachers, first responders, firefighters, and law enforcement officers a 50% discount on the list price of eligible homes — in exchange for a commitment to live there for 3 years.
50%
Off HUD List Price
580+
Min. Credit Score
3 Yrs
Residency Commitment
$0
Broker Fees
Who qualifies?
🏫
Teachers (PreK–12)
Full-time teachers at state-accredited public or private schools serving PreK through 12th grade students.
🚒
Firefighters
Employed full-time by a fire department serving the locality of the property you want to purchase.
🚑
Emergency Medical Technicians
Employed full-time by an emergency medical services responder unit serving the locality of the property.
👮
Law Enforcement Officers
Employed full-time by a law enforcement agency and serving the area in which the home is located.
How it works
Discount50% off HUD-listed price
Property TypeHUD-owned single-family homes
Occupancy RequirementMust live in home as primary residence for 3 years
FinancingFHA loan (typically 3.5% down on discounted price)
Minimum Credit Score580+
Second MortgageHUD holds a silent second mortgage for the discount amount; forgiven after 3 years
Property AvailabilityProperties listed weekly on HUDhomestore.gov
Example savings
On a HUD home listed at $300,000, you'd pay $150,000 — and only need a 3.5% FHA down payment on that $150,000 ($5,250 vs. $10,500).
You serve the community. This program serves you.
We'll check your eligibility, help you navigate the HUD home listings, and get you pre-approved — at no cost.
Check eligibility at no cost
$0 broker fees
FHA financing specialists
Licensed in DC, MD & VA
Check My Eligibility
No cost, no obligation. We respond within hours.