HUD Homes

A Federal Housing Administration (FHA) loan is one requiring only 3.5% down, insured from default by HUD (Housing and Urban Development). Your total housing expenses and monthly debt cannot exceed 41% of your gross monthly income. But the down payment can be borrowed funds or a gift. It is accompanied with mortgage insurance from the government and you will have two mortgage insurance payment amounts on your loan: an upfront fee and a monthly fee until the loan hits 20% down OR you refinance to a new conventional loan.

If an FHA loan goes “bad” or is foreclosed, HUD then buys out the underlying lender, and puts the home on the market to resell. This is where a HUD home comes from when you are buying.

For more information on HUD homes, visit HUD’S website at: http://portal.hud.gov/hudportal/HUD

If you are interested in buying a HUD home visit www.Hudhomestore.com for current homes for sale and be sure you are working with a HUD approved REALTOR, which we are!

Ginger is your choice for an amazing experienced agent in the Denver area! Her knowledge and support are par none! Call her today if you are in the market!
Bradley Keese
We worked with Ginger for several months. She was very patient with us and our need to find just the right house. She asked us good questions and brought up good points to help us with decision making. Ginger is very knowledgeable and enthusiastic about educating her clients. Thanks Ginger!
Matt & Shauna Young
Ginger as always was a pleasure to work with. this was our third home in 5 years we purchased with the help of Ginger. She took a lot of the stress of buying a home off of us. We have recommended many friends and family to her. We love her and all of her knowledge, thank you again Ginger.
Heather & Eric Hirschberg
I recently purchased my second investment property with Ginger and will continue to use her in the future. Having many rental properties herself, she knows first-hand what’s important and what isn’t. Her knowledge and insight is unmatched in the industry. She takes the time needed and is always happy to answer questions before AND after the sale. If you want a professional, use Ginger!
Grant Gardner
Ginger and Pam are great to work with. They really listen to what you are looking for and go way beyond the call of duty during the process. I have and will continue to recommend Ginger to friends and colleagues.
Mike Pearson
Melani was incredible to work with throughout the entire process! She knows what she is doing and was so helpful. She made sure that she was available to answer any questions that I had and was very organized, which helped when there were deadlines coming up that we had to meet.
Martha
Ginger Matney was extremely patient and helpful in getting us through the process of purchasing out first house. She worked hard to respond to questions and set up showing as soon as possible. We looked at houses for about 6 months before finding the right one and never felt pressure to hurry up and buy. Ginger was also great about sticking to our budget and did not take us to any places that were outside of our prices range. We talked with other people using different agents who had drastically different experiences and we are very glad we went with…
Brandy & Spencer Logan
Purchasing our first investment property with Ginger was a wonderful experience. She was there to explain everything along the way and her knowledge/advice is nothing short of priceless. We look forward to working with her for all of our investment needs.
Xavier & Laura Pfister
We worked with Ginger and Brittany for 4 months. The market is really tough and they were so patient with us. They would come out to show us just one house when needed on short notice. They helped us with every question we had, no matter how small or big. We felt so comfortable with them throughout this process. They made this scary process so much easier. We are thrilled with our home! But we both miss seeing and talking with them on a regular basis! We are definitely going to recommend them to anyone in need. Thank you so…
Kristen and Damian Patterson
Very quick and knowledgeable in answering questions and closing. Very happy in dealing with them (Ginger & Pamela) and would recommend them to others!
Marianne Smith
The team at Elevate Real Estate made our transition to Denver & home buying experience much easier to deal with. They were responsive & helped us find our home within our budget with a location we wanted.
Cole and Allie
“We interviewed four realtors recommended to us by our neighbors and friends and selected Elevate Real Estate. We were impressed with their innovative marketing and business practices other realtors didn’t;t seem to have. We knew we could rely on and trust the team at Elevate Real Estate to sell our home and they proved that to us from the day our “For Sale” sign went up until the we closed our home!”
Jane and Gerald Lopez
Ginger, Melani and everyone they work with are amazing. They’re kind, honest and patient. They were there with us every step of the way and helped us through everything. I highly recommend them to anyone who needs a Realtor.
Debbie Davis
Ginger has helped us purchase 2 homes in the area. She is a very knowledgeable person in both income property and residential (owner occupied). Ginger’s expertise in these area’s has helped us purchase homes in good areas around Denver. We recommend her professionalism in all aspects of buying a home.
Jim & Denise Morgante
Melani is amazing! As a first time homeowner the buying process was very intimidating. Melani made the process so smooth and stress free. She is amazing at what she does and goes above and beyond. She answered all my questions and made sure I understood everything along the way. I found the perfect home and thanks to Melani’s hard work we had an accepted offer the same day the home went on the market. The realtor on the other side made a comment about how lucky I was to have her and I couldn’t agree more! I will always recommend…
Crystal Corona-Esparza
Ginger is very conscientious and a good listener. She works hard for her clients and is only satisfied when they are. Plus, she is lot of fun and has boundless energy. I am happy to call her my friend.
Daisy Bailey
I was a first time home buyer in a buyers market and still did not have luck with finding a decent REALTOR! After 2 other REALTORS I found Ginger and I will never go to anyone else! She makes you feel like you are her only client and she works at lightning speed to get you what you want. If you’re not happy, she’s already 3 other options for you! Thanks!
Dion Barela
Melani went above and beyond all of our expectations. She answered my calls and text at all hours when something popped up on the market. She would get us in fast and offers out fast. She has a big heart, good intentions and great knowledge to help us through this process. We would recommend her for anyone who is buying in this market.
Molly Martin
We had a great experience with Elevate Real Estate while buying our home. Penni and Ginger were both knowledgeable and attentive. Everything went without a hitch. We would highly recommend them!
Cara and George Bernath
Ginger and her team are truly the best of the best. I have bought and sold with her numerous times. She puts her clients needs and best interests first, always. Working with her and her team makes the process so much easier and more seamless. Thanks Ginger, Pamela and Brittany!
Jenna Lucero
We’ve done business with Melani on two occasions – purchasing a home and a condo over the past few years. She is professional, knowledgeable, organized and has excellent follow-through. With a real estate transaction that involved some difficult personalities, she was adept at dealing with some delicate interpersonal situations. Melani was strong when she needed to be, and also patient and diplomatic when she needed to be. At all times, she had our backs and advocated for our best interests. She also approached tricky situations with good humor which was also appreciated! I’d highly…
Kathryn Scruggs
“If you’re looking for a realtor, Kara Harel and Ginger Matney are top notch! Kara told me a year ago that she was going to sell me a house, and I laughed. Her persistence paid off for us both and she got a second listing in this hot neighborhood of ours!”
Amy and Collin Somerville
Ginger, Pam and Brittany always do a good job. We have used their services more than once and will continue to use them when needed. Thank you ladies!
H.T.
Ginger is Fantastic! She is professional and organized, but is also friendly and laid-back. She worked hard to get us an amazing deal on the house we love. We would recommend her to anyone looking to buy, sell, or rent a house.
Conan & Jean Fisher