How Do I Get Started? First, unless you are paying cash to buy your home, you will need a home mortgage. So contact a lender who is familiar with helping people buy and own HUD homes. The HUD home buying process is a little different and some lenders are more experienced than others in the lending process for a HUD home. Second, after you have selected your lender, make a formal loan application. After your lender has checked your credit reports, the lender will write a letter stating you are credit approved. This is a vital part of buying a HUD home. Immediately after your bid is accepted, this letter is included in the package mailed to the seller. With her experience, Donna can make suggestions on lenders who have this valuable experience. Contact Donna today for more information, Donna@RioRanchoDreamHomes.com. Congratulations! You are on your way to owning your own home. Donna R. Felker (505) 892-7335 Toll Free: 1-800-484-6696 Ext. 0628 email: Donna@RioRanchoDreamHomes.com