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HUD homes are homes with an insured mortgage from the US Department of Housing and Urban Development—and they can be a very good deal. When someone with a HUD insured mortgage can’t meet the payments, the lender forecloses on the home; HUD pays the lender what is owed and takes ownership of the home, then sells it at fair market value.

Can I become a homebuyer even if I have bad credit, and don’t have much for a down-payment?

The short answer is “yes”. First, you should talk with us to find out what you qualify for. It may surprise you. In addition, you may be a good candidate for a federal mortgage program. To find out, contact one of the HUD-funded housing counseling agencies that can help you sort through your options.