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Officer Next Door Loan Programs

The Officer Next Door (OND) Initiative offers HUD-acquired, single family homes to public police officers with the following significant benefits:

*Schedule a free consultation with our home loan experts.

Under the Officer Next Door program, HUD offers homes located in designated revitalization areas. Revitalization areas are typically in low- and moderate-income neighborhoods, have many vacant properties and often have moderate crime rates, but are considered good candidates for economic development and improvement.

Homes offered for sale in the program were previously insured through the FHA and then foreclosed. HUD also reduces the down payment requirement to just $100 if the home is purchased with an FHA insured mortgage.


Following are the requirements that Officers must meet to use the program:

• Officers must live in the property as their sole residence for at least three years after purchase.
• Officer must be a full-time, sworn law enforcement officer who works for a city, county, state or Federal law enforcement agency. You must have the general power of arrest - not just arrest authority limited to a building or facility.