Officer Next Door seeks to make homeownership faster and more affordable for Law Enforcement Officers. Please click on the link for a complete summary of the program.

The U. S. Department of Housing and Urban Development (HUD) wants to make American communities stronger and to build a safer nation. Public safety improves when police officers live in a neighborhood. The Officer Next Door (OND) program helps make this goal a reality by making homeownership faster and more affordable for Law Enforcement Officers.*

Who Can Participate?
You must be a full-time, sworn law enforcement officer who is "employed full-time by a Federal, state, county or municipal government." You must be "sworn to uphold, and make arrests for violations of, Federal, state, county, or municipal law." Your employer must certify that you are a full-time police officer with the general power of arrest. You don't have to be a first-time homebuyer to participate. However, neither you nor your spouse can own any residential real property for the calendar year preceeding the date you are submitting an offer on a OND property. You must agree to live in the HUD home as your only residence for three years after you move into it. Additional details and rules may be found in the program regulations.

How do I participate?
OND property is listed and sold exclusively over the internet. Properties are single family homes located in Revitalization Areas. Properties available through the program are marked with a special Officer Next Door button. Bids are awarded once each week. Your bid must be the amount of the list price. Your bid must be submitted by a HUD certified real estate broker. Winning bids are randomly selected by computer. The winning bid is posted each week on the web site where you made your bid.

In all cases, HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the three-year occupancy requirement.

What Are the Benefits for the Officer?
The selected bidder may purchase the property at a 50 percent discount from the list price. For example, if a HUD home is listed for $100,000, an officer can buy it for $50,000. To make a HUD home even more affordable, you may apply for an FHA-insured mortgage with a down payment of only $100 and you may finance all closing costs.

If the home you want to purchase needs repairs, you may use FHA's 203(k) mortgage program. This program allows you to finance both the purchase of the home and the cost of needed repairs. You have the benefit of one loan for both costs and one monthly payment.

Discuss these financing options with your lender.

Because homes sold through the OND program are located in Revitalization Areas there may be additional assistance from state or local government sources. Local or state governments want to encourage families and businesses to move into Revitalization Area neighborhoods. Contact your state government housing office or local municipal government and request information on assistance for homebuyers.

I already purchased a home under the OND Program. Where can I get information about my second mortgage?

Information is available on the OND/TND Loan Servicing page.

Where can I get additional information?
Regulations for the Officer Next Door Sales Program may be found at 24 C.F.R. 291.500.

For more information, please contact your local HUD Homeownership Center. You will find a directory to your HUD Homeownership Center on the web.

Information is also available from the HELP line at (800) 569-4287.