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HUD Officer Next Door Program

Officer Next Door

Good Neighbor Next Door home buying program.

The Officer Next Door Program (technically called the “Good Neighbor Next Door Program” or GNND) is a HUD-based program that is aimed at helping police officers find affordable housing solutions.  Law Enforcement officers who would like to become homeowners despite limited means can find a house to call home through this unique program.

The United States Department of Housing and Urban Development (HUD) is tasked with creating strong communities by ensuring that affordable housing options are available for everyone. HUD works to create discrimination-free communities while striving to support the housing market and prioritizing the rights of potential homeowners.

We offer financing solutions for law enforcement in the following states:  

Alabama, Arkansas, California, Colorado, Florida, Georgia, Kansas, Louisiana, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, New Hampshire, New Mexico, Oklahoma, Oregon, Ohio, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, Wyoming.

How the Program Works

The Officer Next Door Program is specifically intended to relocate police officers to areas where revitalization is occurring. HUD designates areas of revitalization by median income level and crime rates. The location of these neighborhoods and economic trends in the area are also taken into consideration when the areas are designated. Neighborhoods where improvement is expected to occur are considered eligible.

Homes that are available to officers who are participating in the program have been foreclosed upon. Eligible homes must have been purchased with an FHA-insured mortgage prior to foreclosure. If a police officer purchases one of these homes with an FHA-insured mortgage, the required down payment is just $100. One of the biggest benefits of purchasing through this program is that officers are able to purchase homes for just 50 percent of the appraised value of the property.

Officer Next Door Program Requirements

The requirements for the home that is being purchased are mentioned above, but the purchaser must also meet some requirements before participating in the Officer Next Door Program.

• Officers who purchase a home through the program must intend to live in the home as their sole residence for a minimum period of three years.

• Officers must be full-time law enforcement professionals who have general arrest authority. Officers must work for either a federal, state, county or city law enforcement agency. People who provide security for specific buildings without having arrest power outside of the building are not eligible.

• Eligible buyers must gain pre-approval for a mortgage before offering on a property. A letter of commitment from the financial institution must be presented when an offer is made.

After the Offer

Officers who offer on a home that is eligible for the Officer Next Door Program have 48 hours to make payment after their offer is accepted. This is why pre-approval is required before an offer can be made. The down payment can be made right away, and the loan approval process should be started immediately after an offer is accepted.

Learn More About the Program

Police officers who feel that the Officer Next Door Program would be ideal for them can find out more about the purchasing process by contacting Police Mortgages. Mortgage professionals are able to provide guidance through the process of financing the purchase of a HUD home. Police Mortgages offers the essential pre-approvals that must be obtained before an offer can be made on a HUD home.

Officers who want to own a home can make their dream a reality by taking advantage of the Office Next Door Program from HUD. Beautiful homes in up-and-coming neighborhoods can be purchased for a significantly reduced price through this program.

Easily Receive More Information

Fill out the form below to receive more information or call 1-800-731-3560

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Home Loan Programs Available In:

Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Kansas, Louisiana, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.