Free guide, PDF, 18 pages
The Colorado HUD Home Buyer’s Playbook
How HUD bidding really works, the nine ways buyers lose, the bid worksheet, and your first 48 hours. Eighteen pages, Colorado numbers, catches included. Free, instant, PDF.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
The 15-day head start
Who can bid when, why day 1 and day 9 are the same, and why day 11 is too late.
How HUD picks the winner
It is the net, not the price. Two buyers at the same price; one wins by $10,500.
Nine ways buyers lose
Every one of them is about timing and reading, not money. We have watched each one happen.
Worksheet and checklist
A bid worksheet, a printable checklist, and the eight bid statuses decoded.
What is in the Buyer’s Playbook
- Lottery, exclusive and extended periods, and exactly when HUD opens bids (including the weekend rule)
- IN, IE, UI and UK, and which loan closes on each
- The net-to-HUD math with a worked example, and when to ask HUD for closing-cost help
- What to inspect before you bid (sewer, roof, panel, furnace) and how to get the utilities turned on
- The eight answers HUD gives after a bid, and what to do about each
- Earnest money, the 48-hour package, the closing clock and extension fees
- A real Denver-metro purchase, start to finish, with the numbers
- The checklist, the questions to ask any agent, and your first 48 hours
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18 pages, PDF, free
What you miss without it
- The window closes while you look for an agent. Only a HUD-registered broker can bid. Finding one takes two of your ten days.
- You win the bid and lose the house. A standard FHA pre-approval on a UI home fails at the appraisal. It happens every month.
- You lose at the same price. Asking for 3% closing help on a new listing drops your net below the buyer who did not ask.
- You forfeit the deposit. Late earnest money, a missed closing date, or a bid you did not understand.
Who it is for
First-time buyers, anyone who saw a HUD home priced under the block, and buyers who lost one and want to know why.
Who wrote it
The Kenna Real Estate Group at Keller Williams DTC, a HUD-registered Centennial team led by Brian Lee Burke, with lender input from Mike Oswald at Rate. We bid on HUD homes every month and built this site so every HUD home in Colorado is on one page with the facts a buyer needs. Sources are listed in the guide.
The other three free guides
Free PDF, 14 pages
$100 Down: The HUD Home Financing Guide
- The $100 down rule and the listings it works on (and the bid price it expects)
- FHA on a HUD home: down payment, credit, mortgage insurance, and why the appraisal is less risky
- IN, IE, UI, UK: matching the loan to the code so you never win a bid you cannot close
Free PDF, 7 pages
Good Neighbor Next Door: The 50% Off Guide
- How the program works, step by step, with a worked Aurora example
- HUD’s exact job definitions and the other rules (no current home, one per lifetime, serving the area)
- Where the eligible homes have historically come up in Colorado, and how to watch for them
Free PDF, 8 pages
The Colorado Teacher’s Guide to Buying a HUD Home
- Every rule of CHFA Schools To Home in one table: who, how much, income, credit, the loan, the classes
- The shared-appreciation math (your percentage minus five) with a worked six-year example
- What changes when you use it on a HUD home: the listing code, the appraisal, the deadline
Where to go next
- How to buy a HUD home, step by step
- Every HUD home in Colorado, refreshed twice a day
- Financing a HUD home: IN, IE, UI and which loan fits
- Good Neighbor Next Door in Colorado
- Get pre-approved with Mike Oswald at Rate
- Find a HUD-registered agent
- HUD home FAQs
- Search HUD listings on kennarealestate.com
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 Real Estate Group’s full MLS search. HUD homes only? Use the tiles and the map on this site.
Get the Buyer’s Playbook, free
Name, email and cell. The PDF opens the second you tap the button, and we email you a copy so you can find it later.
Call or text 303-955-4220
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