I have closed several HUD Homes with buyers and I have never had a buyer get the earnest money certified check or money order unless we won the Hud bid. These funds are always submitted with the actual signed contract information that has to be delivered in person or express mail with in the 48 hour turn around time normally requested by the HUD representatives.
Have a Great Day,
Keller Williams Realty
Better still, get representation from a competent Realtor who works for you as a buyer's agent. They cannot guarantee your bid will win, but they can advise you if you are offering too much, and look out for your interests.
Best Atlanta Properties
There is a provision in the bid stating that your agent received an earnest money from you at the time of placing a bid. If you are unrepresented, that's another story.
They are the person who wants your questions - we don't a question like this here, because we can't answer it with any level of knowledge or authority in a way that is germane to your particular transaction.
I will say this - earnest money is "put up or shut up" money.
I think that HUD probably believes that too...K. Bernard gets my thumbs up.