HUD ホームの購入

Buying HUD Homes

What is a HUD Home? HUD ホームとは？HUD全米住宅都市開発省は、住宅ローンの保険業務を行っていますが、その保険が保障した物件が、フォークローズ（抵当流れ）になってしまった場合、それを買い取ります。

買い取ったものを売却する物件を通称HUDホームと呼びます。

Who Can Buy a HUD Home? HUDホームはどんな人が購入できますか？

どなたでも購入できますが、オーナーオキュパント（第一居住を目的とした購入）が優先されます。通常一定の期間で、オーナーオキュパントの購入者を募り、その後に一般の投資家による購入を募ります。もしも、ハリケーンカタリ－ナ、リタ、ウィルマの避難者であれば、更なる割引もあります。

Almost anyone! If you have the cash or can qualify for a loan (subject to certain restrictions) you may buy a HUD Home. HUD Homes are initially offered to owner-occupant purchasers (people who are buying the home as their primary residence). Following the priority period for owner occupants, unsold properties are available to all buyers, including investors.

If you are an evacuee displaced by Hurricane Katrina, Rita or Wilma, you may be eligible to purchase a HUD Home at a discounted price.

Should I Get a Home Inspection? ホームインスペクション、（プロによる立ち入り検査）は必要ですか？

HUD does not warrant the condition of its properties and will not pay for the correction of defects or repairs. Since the new owner will be responsible for making needed repairs, HUD strongly urges every potential homebuyer to get aprofessional inspection prior to submitting an offer to purchase. HUDは、物件の内容を保障しませんし、修理の必要な箇所も直しません。新しい持ち主が、必要な修理の責任を持つことになりますので、HUDは、新規購入者は、オファーを出す前に、プロフェッショナルの立ち入り検査を行うことを強くお勧めします。

If you are interested in acquiring a HUD Home that is in need of repair, you may be interested in applying for an FHA 203(k) Rehabilitation Loan. When a homebuyer wants to purchase a house in need of repair or modernization, the homebuyer usually has to obtain financing first to purchase the dwelling; additional financing to do the rehabilitation construction; and a permanent mortgage when the work is completed to pay off the interim loans with a permanent mortgage. Often the interim financing (the acquisition and construction loans) involves relatively high interest rates and short amortization periods. The Section 203(k) program was designed to address this situation. The borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property. Click here for more information about FHA’s 203(k) Rehabilitation Loan Program.

もし、HUDホームの購入のときに、その物件に修理が必要なときは、FHA203(K)リハビリテーション（修復） ローンを申し込むことができます。HUDでは直接ファイナンスを行いませんので興味がある方はお問い合わせください。物件や、購入希望者の状況により、リハビリテーションローンの申し込みができるローンオフィサーをお探しします。

What About Financing? ファイナンシング？

HUD does not provide direct financing to buyers of HUD Homes. Buyers must obtain financing through either their own cash reserves or a mortgage lender. If you have the necessary available cash or can qualify for a loan (subject to certain restrictions) you may buy a HUD Home. While HUD does not provide direct financing for the purchase of a HUD Home, it may be possible for you to qualify for an FHA-insured mortgage to finance the purchase.

HUDは、直接HUDホームの購入者に対してファイナンシングを提要しません。ホームバイヤーは、自分で、現金の確保、モーゲージレンダーの準備を行います。直接ファイナンシングをしませんから、FHA保険のモーゲージをそれぞれのモーゲージ会社から申し込むことも可能です。

ローンの準備は事前にご相談ください。

Additional Information About HUD Homes and Other FHA Programs HUDホームや、FHAプログラムのそのほかのプログラムについてもっと知りたい場合、Management and Marketing ContractorとManagement and Marketing Contractorを参考にしてください。

If you have more questions about the sale and purchase of FHA-insured homes, contact the Management and Marketing Contractor that manages the FHA housing portfolio in your community. You may also log onto the Management and Marketing Contractor for more information about FHA and its various programs.