Good Neighbor Next Door

The U.S. Department of Housing and Urban Development (HUD) wants to make American communities stronger, promote home ownership, build a safer nation, and take an active role in the revitalization of cities. The purpose of the Good Neighbor Next Door (GNND) sales program is to improve the quality of life in urban communities by encouraging Law Enforcement Officers, Teachers (PreK-12), Firefighters, and Emergency Responders (EMTs) to purchase and live in homes in these communities.


What are the benefits for the Participant?


The lottery winner may purchase the property at a 50 percent discount from the current "AS IS" APPRAISED VALUE which is the LIST PRICE. For example, if the home has a LIST PRICE of $150,000, a participant can buy it for $75,000. You can also apply for an FHA-insured mortgage with a down payment of only $100 and you may finance all closing costs, repairs, improvements, appliances and all acquisition expenses. You must live in the home for three years to take complete advantage of the grant, but after that you can sell the home and keep all the profit.


If the home you want to purchase needs updating or repairs, you may use FHA's 203(K) or the new 203(K) Streamline Mortgage program. This mortgage option allows you to finance both the purchase of the home and any needed repairs and/or updates you want to make to the home. You have the benefit of one loan for both costs and one monthly payment. It is a home improvement loan and property acquisition loan combined in one.


Who can participate?


All participants must be employed full-time by a federal, state, county, municipal government, Indian tribal government, division of local government, or public/private school. Current homeowners CAN NOT participate and neither you nor your spouse can have owned any other residential real estate for 1 year prior to lottery submission.


Law Enforcement Officers
You must be sworn to uphold and make arrests for violations of the law. Your employer must certify that you are sworn to uphold, and make arrests for violations of, federal, state, tribal, county, township, or municipal laws. Law Enforcement Officers are restricted to GNND homes that are within a reasonable commuting distance, since the home must be their sole residence. Federal Law Enforcement officers are the only area UNRESTRICTED participants in the GNND program.


You must be employed as a teacher by a state-accredited public school or private school that provides direct services to students in grades Prekindergarten through 12th grade. Also the public or private school where the person is employed as a teacher serves students from the area where the home is located in the normal course of business.


Firefighters & Emergency Medical Technicians

You must be employed as a Firefighter or Emergency Medical Technician by a fire department or emergency medical services responder unit of the federal government, a state, unit of general local government, or an Indian tribal government serving the area where the home is located.


What are odds of winning?


Very good! The odds of winning are directly proportional to the number of entries. Many homes have been awarded to participants because they were the only lottery entry. If one Teacher, one Firefighter and one Officer were all in the lottery drawing for the same home, everyone has an equal chance and 33% chance of winning.

Follow the link below to go directly to available properties for sale.
HUD Homes

Good Neighbor Next Door