Before You Start Your Search for a HUD Home: What is a HUD Home? A HUD home is a 1 to 4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage. HUD becomes the property owner and offers it for sale to recover the loss on the foreclosure claim. How are HUD Homes sold? Any real estate broker registered with HUD may submit an offer and contract to purchase on your behalf. HUD pays the real estate broker's commission, if included in the contract. What about financing?  Although HUD does not offer financing directly, some of our homes qualify for FHA-insured loans. A La Carte Real Estate Services is a licensed Mortgage Broker. What do I do if I find a home I am interested in?  Please contact A La Carte Real Estate Services, we are a licensed foreclosure agent for HUD. Call us at 321-354-8821 or 863-984-8619, you can also e-mail us at steve@alacarterealtor.com! Bids for HUD homes can only be entered by a licensed HUD real estate agent.