Buying a HUD Home
- You CAN get a loan to purchase a HUD home. Not all HUD homes, but I can tell you which ones can be financed, and which must be a cash only purchase.
- New HUD listings are available to buyers who are going to live in the home before they are available to investors.
- Now you can choose your title and escrow company instead of using a company chosen by HUD.
- Homes are priced lower than market price, and HUD will not do repairs. Your purchase is “As is.”
- Bids/offers are submitted through your Realtor online. If accepted by HUD, you have 48 hours to get your earnest money, the signed contract (supplied by me, your Realtor) to the HUD office – no exceptions. Fed Ex! So when you make an offer, don’t leave town! I may be calling you to quickly sign and overnight the package to get it to HUD in time.
- If your loan requires something – example: a water heater, and the home doesn’t have a water heater, HUD will not supply one, and you cannot put one in before close of escrow.(in this instance you would have to change to a rehab loan.
- A buyer can ask for closing costs to be paid by HUD.
- Buyer pays for all title and escrow fees (usually over $1000.)
- When you purchase a HUD home, you must live in it for at least one year. After that year, if you sell your home, you cannot purchase another HUD home until after 24 months has passed.
Testimonials
"
Very personable. He's not out to sell a quick house, he works with you to find the perfect house night or day. And gives his honest opinions.
"
- Marlena Brownlee
"
Ann is very helpful, energetic, knowledgable, and most importantly honest! I trusted her from day one. She feels like a family member helping you instead of an agent. She was always available 24/7 and more than willing to go that extra mile. I would recommend her services to all!
"
- Michelle Lane
"
When she showed us the first house we looked at she was upfront with everything and was able to answer all the questions that we had she was very easy to talk to and listen to all the requests and requirements of what we was looking for in the property and she was not pushy or anything at all to try to force us into taking anything. I cannot think of any thing that we disliked about her. We would recommend her to anybody that was looking for a realtor to either buy or sell a house or even was looking to rent a place.
"
- Rex Teirney
"
Absolutely 100% Ann is a 5 star realtor! My husband and I were frustrated with a previous experience and turned to Ann from a referral source. She was HONEST, even when it was sometimes what we did not want to hear. She sold our home and through the process, always felt she had our best interest in mind. Ann spent so much time with us, understanding what we were looking for in next home, and we found it! I would highly recommend Ann to sell your house and find your dream home!
"
- A
"
Got the job done and happy to do it! Both were important to us.
"
- Zechariah and Erin David
"
Excellent Real Estate professional who cares deeply about her clients first and foremost. I highly recommend and refer business her way when I have a NE Ohio client.
"
- Jim Lambright
"
Josh and Ann were very friendly and courteous and would refer them to a friend. They always got back to us within a short amount of time.
"
- Garvin Goodson
"
Josh is so knowledgeable and aided us in making informed choices about the properties that we were viewing. He was always on our side 100% during any offers and negotiations throughout our home buying process and always safeguarded our interests. He definitely went above and beyond to provide personal service and expedite the entire process professionally.
"
- Jen Cortes
"
Very personable. He's not out to sell a quick house, he works with you to find the perfect house night or day. And gives his honest opinions.
"
- Marlena Brownlee
"
Ann is a fantastic person and an exceptional realtor. She is fair and honest and goes the extra mile for her clients. She answered all of our questions promptly and without frustration and was available to us 24 hours a day. She never made us feel like anything less than a VIP throughout the entire process. We highly recommend Ann. You will have zero regrets if you choose her as your real estate agent.
"
- Jennifer Cortes
"
Ann is one the hardest working and sweetest person Ive ever met! She was there for me no matter what time of day or night it was and for all of my needs anytime! Even when I was worrying or upset she found a way to calm me and assure me that it would all work out! Love her and josh!!!!!
"
- Scott and Andrea Valentine
"
She was very honest with me from the start. She listened to what I was looking for in size and cost. Very honest when we went looking for houses. She never tried to pressure me into every house we looked at. Pointed out things that I missed while looking at the properties, both good and bad. Treated me and my son with the upmost respect. I would recomend her to anyone who is looking for a house. She will work for you, and answer any question you have. Even after I had closed on the house, if I had any questions she was there for me.
"
- Satisfied Client
"
Ann met with me to discuss listing our home. Ann arrived on time and was very polite and professional during the discussion of listing our home. I knew right away that she as the one to sign with to sale our home . After Ann got her game plan on about my listing she went straight to work on staging the home and photographing the entire home inside and out. Once my home hit the market it automatically starting getting hits and showings. With Ann's professional knowledge the process went smooth and we had a closing within a matter of time ! I personally would recommend Ann & team to anyone that's thinking about selling their home!
"
- Joseph Combs
"
Ann and Josh were always one step ahead of us and made the process so smooth and easy. I would not hesitate to use them again or to refer them to anyone looking for a home.
"
- Hannah Cessna
"
Ann is one the hardest working and sweetest person Ive ever met! She was there for me no matter what time of day or night it was and for all of my needs anytime! Even when I was worrying or upset she found a way to calm me and assure me that it would all work out! Love her and josh!!!!!
"
- Scott and Andrea Valentine
"
Josh and Ann were very friendly and courteous and would refer them to a friend. They always got back to us within a short amount of time.
"
- Garvin Goodson
"
Ann Norton and Josh Twitchell are the best. If you’re looking, they will help you through the whole process. No pressure, and they will not keep details away from you about homes you are looking at. They are upfront, friendly and down to earth.
"
- Misty Garrett Zabel
"
Ann handled this sale with total professional expertise. If you in the market to buy or sell then I highly recommend Ann ,you wont be disappointed!
"
- Combs Family
"
Ann and Josh are professional and friendly. My husband and I worked with them as our buyers agent. They really make sure you find a good house as they help you look over everything! They are also very dedicated to their work, and if you want to see a house in today's here today gone tomorrow housing market, they will make it happen. We saw the house that we found on Saturday night, emailed Ann overnight to see if she could set up a showing. The house had nearly 10 showings on it and we placed an offer and they accepted it, the house also had multiple offers. I highly recommend them.
"
- Michael Robert Trew
"
Ann and Josh are amazing people. Making sure to go above and beyond what you would even expect. They made sure to be available whenever we needed something. They never made our question feel obsolete.
"
- Kimberly & Zach Austin
"
Josh and Ann were very prompt on every aspect of buying this property. As the buyer, I was very pleased with Ann and Josh.I highly recommend this company .
"
- Kenny Rayburn
"
Ann Norton is one of a kind! She goes the extra mile for her clients, from listening to credit questions to assisting them in getting the right lender to be able to purchase a home. Ann helps turn people who are dreaming of owning a home into people who live in that perfect home. Ann makes it happen. You can’t go wrong with Ann, and she will stick by you until you’re in the home of your dreams!
"
- Kristina Heath
"
Ann Norton and Josh Twitchell are amazing! They are so devoted to their clients and so knowledgeable about every aspect of the house buy/selling process!
"
- Ashley
"
Ann Norton and Josh Twitchell are amazing! They are so devoted to their clients and so knowledgeable about every aspect of the house buy/selling process!
"
- Ashley
"
Josh Twitchell is a stellar real estate agent. He’s on the cutting edge of the electronic age, always assisting clients to make the home buying process simple. He is a great negotiator and is able to find the right home for the right price. You can’t go wrong with Josh as your real estate agent!
"
- Kristina Heath
"
Ann is just the best realtor I have ever worked with period. She helped my family find a great home in a highly competitive market. She worked hard for us and did so without ever complaining. We must have viewed 30 houses in 3 weeks. She also was great with my kiddos. They looked forward to seeing her as she always had some goodies for them. She always responded quickly, shot me straight, and helped me see between the lines. I truly believe she wanted what was best for my family not just trying to make a sale.
"
- Josh Hibbard
"
Ann and Josh were always one step ahead of us and made the process so smooth and easy. I would not hesitate to use them again or to refer them to anyone looking for a home.
"
- Hannah Cessna
"
He is awesome . And quick to get back with you!
"
- Steve Carpenter
"
Ann is very helpful, energetic, knowledgable, and most importantly honest! I trusted her from day one. She feels like a family member helping you instead of an agent. She was always available 24/7 and more than willing to go that extra mile. I would recommend her services to all!
"
- Michelle Lane
"
She was very honest with me from the start. She listened to what I was looking for in size and cost. Very honest when we went looking for houses. She never tried to pressure me into every house we looked at. Pointed out things that I missed while looking at the properties, both good and bad. Treated me and my son with the upmost respect. I would recomend her to anyone who is looking for a house. She will work for you, and answer any question you have. Even after I had closed on the house, if I had any questions she was there for me.
"
- A
"
Ann met with me to discuss listing our home. Ann arrived on time and was very polite and professional during the discussion of listing our home. I knew right away that she as the one to sign with to sale our home . After Ann got her game plan on about my listing she went straight to work on staging the home and photographing the entire home inside and out. Once my home hit the market it automatically starting getting hits and showings. With Ann's professional knowledge the process went smooth and we had a closing within a matter of time ! I personally would recommend Ann & team to anyone that's thinking about selling their home!
"
- Joseph Combs
"
Ann Norton and Josh Twitchell are the best. If you’re looking, they will help you through the whole process. No pressure, and they will not keep details away from you about homes you are looking at. They are upfront, friendly and down to earth.
"
- Misty Garrett Zabel
"
Excellent Real Estate professional who cares deeply about her clients first and foremost. I highly recommend and refer business her way when I have a NE Ohio client.
"
- Jim Lambright
"
Got the job done and happy to do it! Both were important to us.
"
- Zechariah and Erin David
"
Absolutely 100% Ann is a 5 star realtor! My husband and I were frustrated with a previous experience and turned to Ann from a referral source. She was HONEST, even when it was sometimes what we did not want to hear. She sold our home and through the process, always felt she had our best interest in mind. Ann spent so much time with us, understanding what we were looking for in next home, and we found it! I would highly recommend Ann to sell your house and find your dream home!
"
- Satisfied Client
"
Ann and Josh are professional and friendly. My husband and I worked with them as our buyers agent. They really make sure you find a good house as they help you look over everything! They are also very dedicated to their work, and if you want to see a house in today's here today gone tomorrow housing market, they will make it happen. We saw the house that we found on Saturday night, emailed Ann overnight to see if she could set up a showing. The house had nearly 10 showings on it and we placed an offer and they accepted it, the house also had multiple offers. I highly recommend them.
"
- Michael Robert Trew
"
Josh Twitchell is a stellar real estate agent. He’s on the cutting edge of the electronic age, always assisting clients to make the home buying process simple. He is a great negotiator and is able to find the right home for the right price. You can’t go wrong with Josh as your real estate agent!
"
- Kristina Heath
"
Josh and Ann were very prompt on every aspect of buying this property. As the buyer, I was very pleased with Ann and Josh.I highly recommend this company .
"
- Kenny Rayburn
"
Ann is a fantastic person and an exceptional realtor. She is fair and honest and goes the extra mile for her clients. She answered all of our questions promptly and without frustration and was available to us 24 hours a day. She never made us feel like anything less than a VIP throughout the entire process. We highly recommend Ann. You will have zero regrets if you choose her as your real estate agent.
"
- Jennifer Cortes
"
He is awesome . And quick to get back with you!
"
- Steve Carpenter
"
Ann and Josh were amazing! They genuinely wanted to help us find our perfect home and they did a fantastic job! So very pleased with the entire process! A huge thank you to those two. We are truly greatful!! You guys made home buying fun!!
"
- Amanda Ford
"
Ann Norton is one of a kind! She goes the extra mile for her clients, from listening to credit questions to assisting them in getting the right lender to be able to purchase a home. Ann helps turn people who are dreaming of owning a home into people who live in that perfect home. Ann makes it happen. You can’t go wrong with Ann, and she will stick by you until you’re in the home of your dreams!
"
- Kristina Heath
"
Ann handled this sale with total professional expertise. If you in the market to buy or sell then I highly recommend Ann ,you wont be disappointed!
"
- Combs Family
"
When she showed us the first house we looked at she was upfront with everything and was able to answer all the questions that we had she was very easy to talk to and listen to all the requests and requirements of what we was looking for in the property and she was not pushy or anything at all to try to force us into taking anything. I cannot think of any thing that we disliked about her. We would recommend her to anybody that was looking for a realtor to either buy or sell a house or even was looking to rent a place.
"
- Rex Teirney
"
Ann is just the best realtor I have ever worked with period. She helped my family find a great home in a highly competitive market. She worked hard for us and did so without ever complaining. We must have viewed 30 houses in 3 weeks. She also was great with my kiddos. They looked forward to seeing her as she always had some goodies for them. She always responded quickly, shot me straight, and helped me see between the lines. I truly believe she wanted what was best for my family not just trying to make a sale.
"
- Josh Hibbard
"
Josh is so knowledgeable and aided us in making informed choices about the properties that we were viewing. He was always on our side 100% during any offers and negotiations throughout our home buying process and always safeguarded our interests. He definitely went above and beyond to provide personal service and expedite the entire process professionally.
"
- Jen Cortes
"
Ann and Josh were amazing! They genuinely wanted to help us find our perfect home and they did a fantastic job! So very pleased with the entire process! A huge thank you to those two. We are truly greatful!! You guys made home buying fun!!
"
- Amanda Ford
"
Ann and Josh are amazing people. Making sure to go above and beyond what you would even expect. They made sure to be available whenever we needed something. They never made our question feel obsolete.
"
- Kimberly & Zach Austin
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