GOOD NEIGHBOR NEXT DOOR (GNND)
FIREFIGHTER/EMT/OFFICER/TEACHER NEXT DOOR

To make American communities stronger, the U.S. Department of Housing and Urban Development designed the Good Neighbor Next Door (GNND) programs to encourage firefighter, EMT's, police officers and teachers to buy homes in low and moderate-income neighborhoods.

HUD offers a fifty percent (50%) discount off the list price to firefighter, EMT's, police officers and teachers under the terms and conditions described below. To be eligible, firefighters, EMT's, law enforcement officers and teachers must be employed full-time, cannot own any other residential real estate, and agree to make the homes their sole residence for three years following the purchase. In addition, teachers must work in the areas in which the homes are located.

• Direct Sales Internet Lottery Process Guidelines
• Revitalization Areas
• GNND  
• Rehabilitation Mortgage Insurance (Section 203(k))

FIREFIGHTER/EMT/OFFICER/TEACHER ELIGIBILITY

In an effort to ensure that homeownership opportunities are made available to law enforcement officers who are charged with the responsibility of ensuring the safety and well-being of residents in the communities they serve and to help promote safe neighborhoods by furthering the community law enforcement efforts being made by numerous cities, properties are being made available at a larger discount for sale to law enforcement officers who occupy them as a primary residence for at least three years. Teachers are required to live in the area in which they serve.

This program has now been expanded to include firefighters and EMT's who live in the area in which they serve.

A Law Enforcement Officer is defined as an individual who is:

• employed full time by a Federal, State, County or municipal government;
• sworn to uphold, and make arrests for violations of, Federal, State, county, or municipal law; and
• in good standing with the department.

A Teacher is defined as an individual who is:

• employed full time by a a public school, private school, or Federal, State, county or municipal educational agency;
• in good standing;
• and holds a current State-level certification, as a classroom teacher or administrator in grades K through 12. 

A Firefighter/EMT is defined as an individual who is:

• employed full time as a firefighter/emergency responder or emergency medical services responder unit of the federal government, a state, a unit of general local government, or an Indian tribal government serving the area where the home is located.
• in good standing;

Furthermore, the purchaser may not own residential property for 1 year prior to offer submission and neither may the purchaser's spouse.  The purchaser, and his or her spouse, may not have previously participated in the program. Only one spouse may purchase the property.

EARNEST MONEY DEPOSIT

All offers submitted by a GNND purchaser must be backed by earnest money in the form of cash or certified funds and that the Selling Broker, if used, submit with the bid, a certification that the earnest money has been deposited in the Selling Broker¹s escrow account. For ALASKA, IDAHO, OREGON, and WASHINGTON: All offers submitted by a GNND purchaser must be backed by earnest money in the form of cash or certified funds and that the Selling Broker will forward upon contract acceptance to the Closing Agent

ELIGIBLE PROPERTIES

GNND offerings will be made available pursuant to HUD program policies.
Prior to the public listing, single-unit properties in revitalization areas will be made available to qualified Firefighters, EMT's, Officers and Teachers during the Lottery Period under the Direct Sale Program.   For a list of available GNND HUD-homes, click on the appropriate State button below:

Under the Direct Sale Program, qualified Firefighters, EMT's, Officers and Teachers may purchase single-unit properties located in revitalization areas at a 50% discount.

Only single-family homes, condos and townhouses are eligible for GNND purchases.  Multifamily units are not eligible.

The option in Housing Notice 1999-30 for Firefighters, EMT's, Officers and Teachers to receive the fifty percent (50%) discount during the competitive sales listing period is no longer available. The fifty percent (50%) discount is only available during the Lottery Period.

SUBMITTING AN OFFER

When an Firefighter/EMT/Officer/Teacher has identified a property to purchase, they must submit their bid through a HUD-registered broker. Winning bids are randomly selected by computer. For a list of local approved agents, click on your state and then click on Agent Locator. The winning bid is posted each week on the website where you made your bid.

If no Preliminary Interest is received during the notification period, the property will be made available for sale to the general public on a competitive bid basis. The option in Housing Notice 1999-30 for firefighters, EMT's, officers and teachers to receive the fifty percent (50%) discount during the competitive sales listing period is no longer available. The fifty percent (50%) discount is only available during the Lottery Period.

The 50 percent discount will be applied at closing.

HUD does not pay a buyer's closing costs or real estate brokers fees on the purchase of property through the GNND program.

SALES CONTRACT and REQUIRED ADDENDA:

- Fillable Sales Contract Form 9548

Addenda:

• General Addendum to Sales Contract
  

• Radon Gas and Mold Notice and Release Agreement
  

• For Your Protection, Get A Home Inspection
  

• GNND Certification Form for Officer ONLY (9549-A)
  

• GNND Certification Form for Teacher ONLY (9549-B)
  

• GNND Certification Form for Fire Fighter/Emergency Responder ONLY (9549-C)
  

• GNND Certification Form 9549-D (Personal information questionnaire. Must be completed by all participants)
  

• GNND Certification Form 9549-E (Employer verification of participation employment. Must be completed by all participants)
  

• Land Use Restriction Addendum
  

• Lead Based Paint Addendum
  

• Mortgage Pre-Qualification Letter from a lending institution, if the purchase is to be mortgaged, stating that an in-house credit check has been performed and the purchaser has been pre-qualified for a mortgage up to a specified mortgage amount.
  

• Certification from a Financial Institution, if the purchase is cash, stating that funds are available on the day of closing.

To obtain an original NEW HUD Sales Contract Form 9548 Revision (1/99):

- Order the forms by calling (888) 285-6111 or Fax your request to (817) 885-8020

• GNND program teacher participants must certify that they are "employed by an educational agency that serves the school district/jurisdiction in which the home they are purchasing is located."
• All GNND program participants are required to own and use their property as their SOLE residence for at least three (3) years.
• All GNND program participants are required to execute a second mortgage and note for the amount of the discount which HUD can call at a later date if the buyer fails to re-certify.
• After three (3) years from the date of closing, the second mortgage lien will automatically be satisfied.
• All GNND program participants can not currently own any residential real estate for one year prior to date of submitting an offer on the home being acquired through the program nor have previously purchased another home under the GNND program.