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What is a HUD home and how do I find one in Coeur d'Alene, Idaho?
Janna Rankin Scharf, Coeur d' Alene Idaho Real Estate Q & A
First of all, what is a HUD home?
It is a home that is the result of a foreclosure action on a FHA-insured mortgage. In other words, it's a repo.  HUD paid the insurance claim and now is the property owner.  It is offered for sale to recover the loss on the foreclosure claim.
By definition, a HUD home can be a 1 to 4 unit residential property.  When first hitting the market, they are offered to owner-occupied buyers first.  After the initial offering, unsold properties are available to all buyers, including investors.
How Do I find a HUD home?
HUD repos are available to the public on the internet by management companies under contract to HUD. The bid to purchase must be made through a broker registered with HUD.  Any real estate commission earned is paid by HUD, and HUD will also pay 3% of the purchase price towards your closing costs.
On their site you can search by state, county, city or zip code.  Check the site frequently because you never know when a new home will pop up. 
What if I see a home online that ... more

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