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HUD news, guides and what is changing in Colorado
Every guide on this site in one feed, newest first, plus what is moving in Colorado housing, interest rates and HUD policy. Written for Colorado buyers, updated as things change.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
Long-form, Colorado-specific
Bidding, financing, inspections, programs, cities.
What changed this month
Rates, HUD policy, CHFA limits, inventory.
Fourteen metro Denver cities
What turns up where, and what to check.
A live person answers
If a post raises a question, call 303-955-4220.
Newest first. If you want the short version of any of these, the FAQ page answers the same questions in a paragraph each. For the rest of Colorado real estate, the The Kenna Group blog covers buying, selling, financing and every Front Range city.
Using a VA loan on a HUD home: what works, what the appraiser will flag, and the $100 down myth
Veterans can buy HUD homes with zero down. VA works on insured homes that meet VA’s minimum property requirements, and it does not use the $100 down incentive because it does not need it.
FHA condo approval and HUD condos: why some are insured and some are not
A HUD condo marked IN sits in an FHA-approved project. A UI condo usually means the project is not approved. What single-unit approval is, what it costs, and how long it takes.
Manufactured homes on HUDHomeStore: what you can finance and what you cannot
HUD sells manufactured homes too. Whether you can get an FHA loan depends on the foundation, the HUD tags, the year and the land. The checklist.
HUD homes with an HOA: who owes the old dues, Colorado’s super lien, and FHA condo approval
Buying a HUD home in an HOA means three questions: who pays the past dues, whether the condo is FHA-approved, and what the HOA can still demand of you at closing.
Mold and meth in HUD homes: what HUD discloses, what it does not, and how to test before you bid
HUD sells as-is and often does not know a home’s history. In Colorado meth contamination is a real risk in foreclosures. How to test for mold and meth cheaply, and what a positive result means for your contract.
Winterized HUD homes: turning the utilities on for your inspection and appraisal
HUD homes are winterized and the water is off. To inspect or appraise you request utility activation, pay the deposit, and re-winterize afterward. The 3-day window and what it costs.
HUD closing deadlines and extensions: 30 or 45 days, then $375 to $750 per 15 days
Financed HUD buyers get 45 days to close, cash buyers 30. Miss it and you buy 15-day extensions at a fixed fee, if HUD agrees. How the clock works and how to avoid paying.
Canceling a HUD contract: which reasons get your earnest money back and which do not
HUD’s forfeiture rules are written down and the asset manager follows them. What owner-occupants get back, why investors usually get nothing, and how to cancel cleanly.
Backup offers on HUD homes: how the second bidder gets the house
HUD keeps the other acceptable bids when it accepts one. When the winner walks, the asset manager works down the list. How to be the bid that gets the call.
The HUD owner-occupant rule: 12 months, the certification you sign, and what happens if you lie
Owner-occupants get first crack at HUD homes because they promise to live there for a year. Here is exactly what you certify, the 24-month rule, and why people get prosecuted for faking it.
Title problems on HUD homes: what HUD fixes, what it does not, and the deed you actually get
HUD conveys with a special warranty deed, clears its own title issues before closing, and leaves the rest to your title insurance. What that means in plain English.
Denver HUD Homes by Suburb: A Flexible Buyer’s Location Guide
A practical location guide for buyers comparing Denver, Aurora, Lakewood, Thornton, Arvada, Westminster, Commerce City, Englewood, Littleton, Centennial, Broomfield, and Golden for possible HUD-home searches. Use it to compare trade-offs without assuming live HUD inventory in any suburb.
House-Hacking a HUD in Denver: ADU Zoning, Rental Math & What Investors Actually Face
Learn how Denver’s fresh ADU zoning and HUD updates could unlock house-hacking profits, but the real math might just surprise you.
Aurora vs. Lakewood vs. Westminster: Where HUD Buyers Find the Best Commute-to-Value Trade-Offs
Aurora, Lakewood, or Westminster—analyzing which city gives HUD buyers the prime balance of commute and value could change your search entirely.
Good Neighbor Next Door in Metro Denver: Real Savings for Teachers, Police & EMTs in Revitalization Zones
How can Metro Denver’s teachers and first responders buy homes at half price in revitalization zones? Discover the hidden details inside.
203(k) in the Front Range: Turning a HUD Fixer Into a Livable Home in Denver, Aurora & Lakewood
Open the door to affordable homeownership in Denver, Aurora, and Lakewood with 203(k) loans—but what’s the catch? Find out inside.
Using CHFA & FHA Together: How Colorado Buyers Finance HUD Homes Without the Headaches
Unlock the secret to stress-free HUD home buying in Colorado using CHFA and FHA—discover the steps savvy buyers are taking next.
How HUD Bidding Really Works in Denver: Owner-Occupant Windows, Investor Timing & Earnest Money Rules
Peeking into Denver’s HUD bidding secrets, discover how owner-occupants get first dibs and what earnest money rules could surprise you next.
Westminster CO HUD Homes: Midpoint Between Boulder and Downtown Denver
Find out how Westminster CO HUD homes offer affordability between Boulder and Denver—discover what hidden options might be waiting for you.
Arvada CO HUD Homes: Historic District Charm Meets HUD Opportunities
Blending historic Arvada charm with HUD home opportunities, discover how locals are unlocking affordable homeownership right where the city’s heart beats—find out how.
Thornton CO HUD Homes: HUD Opportunities in a Growing North Denver Suburb
Discover how HUD homes in Thornton, CO might unlock surprising opportunities for affordable living in North Denver’s booming suburbs—could your new home be next?
Lakewood CO HUD Homes: Entry-Level Properties Near Green Mountain & Belmar
Interested in Lakewood CO HUD homes near Green Mountain and Belmar? Discover how these entry-level properties could be your key to homeownership.
Commerce City CO HUD Homes: Budget-Friendly Options Close to DIA
Start your search for Commerce City, CO HUD homes near DIA—discover how these budget-friendly options could change your move in ways you didn’t expect.
Aurora CO HUD Homes: Affordable Alternatives Near Denver Tech Center
Discover affordable alternatives to Aurora CO HUD homes near the Denver Tech Center—don’t miss out on hidden options that could change your search.
Buying a HUD Home on a Budget: Are Special Incentive Programs Still Available in Denver?
Curious if Denver’s special HUD home incentives for budget buyers still exist? Discover which deals remain and how you can qualify.
HUD Homes As-Is in Denver: Smart Inspection Tips to Avoid Costly Surprises
Jump into Denver’s HUD home market with smart inspection tips—discover what you might be missing before making a costly mistake.
Denver HUD Homes Email Alerts: Staying Ahead of New Listings and Hot Deals
To outpace the competition in Denver’s HUD home market, discover how smarter email alerts could change everything before your next dream deal slips by.
The Colorado HUD Home Timeline: From Bid to Keys, Day by Day
Every step of a Colorado HUD purchase on one calendar: the listing, the exclusive owner-occupant period, sealed bids, the 48-hour package, inspections, closing deadlines and extensions, with where buyers lose days.
How HUD Home Grants and Local Down Payment Assistance Pair With Denver HUD Purchases
Pairing HUD home grants with Denver’s local down payment assistance could unlock unexpected advantages—discover the potential synergy that most buyers overlook.
Denver Homebuyer Assistance Programs: How They Pair With HUD Purchases
Curious how Denver homebuyer assistance programs like MetroDPA and CHFA really work with HUD purchases? The answer might surprise you.
Free guide, PDF
The Colorado HUD Home Buyer's Playbook
How HUD bidding really works, the nine ways buyers lose, and the bid worksheet. 18 pages, free.
Why you want it before you bid:
- The 15-day owner-occupant window, day by day, so you never miss a deadline
- The net-to-HUD math HUD actually scores, with a one-page bid worksheet
- The nine ways buyers lose a HUD home, and how each one is avoided
Find every home available, not just HUD homes
Advanced home search: every listing on the Colorado MLS, with the full filters, on kennarealestate.com.
Opens kennarealestate.com, The Kenna Group’s full MLS search. HUD homes only? Use the tiles and the map on this site.
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Tell us what you are working with and we will tell you honestly whether a HUD home is the way to get there. No cost, no obligation, and nobody sells you anything.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
