K.M. Minemier & Associates is a certified Woman Owned Small Business (WOSB) engaged in full service real estate asset management and marketing.

HUD Resources


ACA- Asset Control Area

Foreclosed properties conveyed back to FHA that are located in a designated Asset Control Area (ACA) are first offered for sale to an ACA participant. Under the ACA Program, state, county and local units of government, as well as approved nonprofit organizations may enter into a two-year contract with HUD requiring HUD to first make FHA properties located in an ACA exclusively available for sale to the ACA participant. ACA properties with an appraised value of $25,000 or less may be purchased for $100; all other properties sold under the ACA Program are offered for sale at a minimum discount of 50 percent of the appraised property value.

For more information on this HUD special program, please click here.

NSP- Neighborhood Specialization Program

The Neighborhood Stabilization Program (NSP) was established for the purpose of stabilizing communities that have suffered from foreclosures and abandonment. Through the purchase and redevelopment of foreclosed and abandoned homes and residential properties, the goal of the program is being realized.

For information on the Neighborhood Stabilization Program (NSP), click here.

GNND- Good Neighbor Next Door

The Good Neighbor Next Door (GNND) program allows law enforcement officers, pre-Kindergarten through 12th grade teachers and firefighters/emergency medical technicians to contribute to community revitalization while becoming homeowners. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.

For more information on this program, click here.

$ Dollar Home

HUD Dollar Home Program Homes are single-family homes that are acquired by the Federal Housing Administration (which is part of HUD) as a result of foreclosure actions. Single-family properties are made available through the program whenever FHA is unable to sell the homes for six months.

Click here for more information on this program, click here.


Please follow the link below to find a lender from HUD's website.

Find Lender

Follow the link below to find a HUD registered broker.

Find Broker

Available Mortgage Products

FHA 203(b)

FHA 203(b) is the standard FHA loan that does not call for repairs to the home other than possibly repair escrows not to exceed $5,000.

FHA 203(k)

The FHA 203k loan program is a program that allows the borrower to obtain money within the financed loan to make necessary repairs. If a home requires more than $5,000 of repairs the borrower takes a loan out for the amount of the sales price plus the estimated repair cost. Then after closing and funding the borrower hires the contractors to perform the work and turn over final invoices to the lender for the payment of those invoices. The lender handles all the payment of the invoices and usually requires a third party inspector to verify the work was completed before final payment is released.

FHA Streamline 203(k)

FHA's Streamlined 203(k) program permits homebuyers to finance up to an additional $35,000 into their mortgage to improve or upgrade their home before moving in. Homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or an FHA appraiser. Homeowners may make property repairs, improvements, or even prepare their home for sale.


This type of mortgage uses cash or a bank loan that does not involve FHA financing.

Veterans Affairs (VA)

Eligible veterans can use this type of financing to obtain a VA – guaranteed loan.

For more information on this type of mortgage, click here.

Homebuyer Trainings

Please visit the below links provided by HUD to be informed of HUD home buying.

Please be sure to read our BEFORE YOU BUY diclosures for important info regarding buying a HUD home

Read Before You Buy