Need Help Purchasing A Home?

If you are a law enforcement officer, firefighter,emergency medical technician, or teacher, this program may help you purchase a home in a HUD-revitalization area by offering qualified purchasers a 50% discount off the list price of homes available from HUD's inventory.

You must agree to live in the home for three years and it must be your sole residence.

In order to qualify for this benefit program, you must be or have been a law enforcement officer, firefighter, emergency medical technician, or teacher who is employed (full-time) and is a current or prospective homeowner.

Application Process - For more information, see the Program Contact Information below.

Program Contact Information - To obtain a FHA-insured mortgage, look in your local Yellow Pages under "Mortgages" or contact a FHA-approved lender or you can visit the government HUD website.

The Managing Agency for this program is the U.S. Department of Housing and Urban Development.

The objective of this program is to strengthen America's communities by providing homeownership opportunities to law enforcement officers in HUD- designated revitalization areas, and to improve the quality of life in these neighborhoods by their presence.

Types of Assistance Available - Sale, Exchange, or Donation of Property and Goods.


Uses and Use Restrictions - Law enforcement officers may purchase HUD-owned single unit properties located in designated revitalization areas at a 50 percent discount off list price. Officers must agree to occupy homes as their sole residence for a period of 3 years. The officer must also agree to execute a second mortgage and note in the name of the Department for an amount equal to the 50 percent discount. This zero interest note will gradually decrease over the 3-year mandatory residence period until it reaches zero. Should the officer leave the home before the 1st anniversary of occupancy, 90 percent of the discounted amount will be due to HUD. Departure before the 2nd anniversary of occupancy will require a 60 percent repayment, and departure before the 3rd anniversary of occupancy will require a 30 percent repayment of the discounted amount. Officers must certify initially, and once annually, for each year of the occupancy term, that he/she continues to own and live in the home as a sole residence, and that no other residential real estate is owned.


Eligibility Requirements - Applicant Eligibility

This program is limited to a specialized group. To be eligible for this program, participants must be law enforcement officers. A law enforcement officer is defined as an individual who is employed full-time by a Federal, State, county, or municipal government or a college or university, and is sworn to uphold, and make arrests for, violations of Federal, State, county, or municipal law. The authority to make arrests must be general arrest power - not simply arrest authority which is confined to a specific building, facility, or group of persons.


Beneficiary Eligibility - Law enforcement officers purchasing a HUD-owned home in a designated revitalization area for use as their residence.