HUD Home
Michael R. Linton, Florida Broker #BK703722, helps buyers, owners and lenders across Orlando, Tampa, Daytona and the I-4 corridor put terms like this to work through Linton Global Solutions.
A HUD home is a one-to-four unit residential property owned by the U.S. Department of Housing and Urban Development after foreclosure of an FHA-insured mortgage, sold as-is through HUD HomeStore.
HUD homes are the federal government's REO. HUD sells them in listing periods that give people who will live in the home the first chance to buy, and every bid goes through a HUD-registered agent.
How HUD Sells Them
- Listed on HUD HomeStore and sold as-is; HUD makes no repairs.
- Exclusive period: owner-occupants, HUD-approved nonprofits and government agencies bid first. HUD extended it from 15 to 30 days in 2022 for homes eligible for FHA 203(b) financing.
- Extended period: open to all buyers, including investors.
- Bids are submitted online by a HUD-registered broker or agent.
Financing Codes
Each listing is coded IN (FHA-insurable as-is), IE (insurable with a repair escrow up to $10,000) or UI (uninsurable; repairs over $10,000, so a 203(k) rehabilitation loan, cash or other financing is needed).
Good Neighbor Next Door
Law enforcement officers, teachers, firefighters and EMTs can buy eligible HUD homes in designated areas at 50% off the HUD appraised value, living in the home for 36 months. With an FHA loan, the down payment is $100.
From the Desk
A HUD home isn't a bargain by definition. Read the listing period, the property code and the condition report before you bid.
Full guide: What Is a HUD Home? How to Buy One.
Who Is Michael R. Linton, and What Does He Do for Commercial Real Estate Investors?
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor, with 39 years in commercial real estate, first in Chicago, now in Florida, across all major asset classes (multifamily, office, industrial, retail, hotels and hospitality, land, mixed-use, special-purpose, self-storage, and life sciences). He leads Linton Global Solutions and HireMikeLinton.com, holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722).
Why Choose Michael R. Linton and Linton Global Solutions for Your HUD Home Decision?
Investors, owners, and tenants choose Michael R. Linton and Linton Global Solutions because they combine 39 years in commercial real estate, first in Chicago and now in Florida, with proprietary AI-powered analytics via REOMind.ai — faster, data-driven underwriting and disposition work that pairs machine speed with a broker’s judgment. Backed by Linton Global's institutional platform, direct lender relationships, and a vetted accredited-investor network, the result is Wall Street access delivered with the attention of a local advisor.
Know Your Budget First
Get prequalified before you bid on a HUD home.
Frequently Asked Questions
What is a HUD home?
A 1–4 unit property HUD owns after foreclosure of an FHA-insured mortgage.
Are HUD homes sold as-is?
Yes. HUD makes no repairs.
Who gets to bid first?
Owner-occupants, HUD-approved nonprofits and government agencies, during the Exclusive period.
Can investors buy HUD homes?
Yes, but only in the Extended period.
Do I need an agent?
Yes. Bids must be submitted by a HUD-registered broker or agent.
Article Summary
HUD homes are FHA foreclosures sold as-is by HUD, with owner-occupants bidding first and every bid placed by a HUD-registered agent.
Key Takeaways
- ✓FHA foreclosure owned by HUD.
- ✓Sold as-is on HUD HomeStore.
- ✓Owner-occupants bid first.
- ✓Investors bid in the Extended period.
- ✓Check the IN / IE / UI code.
About Michael R. Linton
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39 years in commercial real estate, first in Chicago and now in Florida, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.
Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving a network of banks.
Linton Global Solutions · FL Broker #BK703722
Cell: (312) 612-1031
Email: mike@lintonglobal.com
Web: LintonGlobal.com
Ready to Talk About Your HUD Home Deal?
Get a free consultation with Michael R. Linton — 39 years of CRE experience. Zero pressure.
Schedule a Free ConsultationWorks Cited
- U.S. Department of Housing and Urban Development. "HUD HomeStore Help." HUD HomeStore, https://www.hudhomestore.gov/FAQ. Accessed Oct 5, 2026.
- U.S. Department of Housing and Urban Development. "Mortgagee Letter 2022-01." HUD, https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-01hsgml.pdf. Accessed Oct 5, 2026.
- Florida Department of Business and Professional Regulation. "License Verification: Michael R. Linton, Florida Broker BK703722." MyFloridaLicense.com, https://www.myfloridalicense.com/wl11.asp. Accessed Oct 5, 2026.
Disclosure & Compliance
Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: All CREDDS and REOMind.ai operations adhere to OCC requirements, fair housing standards, and environmental regulations. Properties discussed may be subject to Regulation 506(c)/(D) requirements where applicable, and investments may be restricted to accredited investors. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.