Your best bet is to go to HUD.gov and look up what county you want to live in. To get the GNND program, your city/county has to be a 'revitalization zone'. That is the huge kicker right there. Teachers, cops and service people = good luck, because there are hardly any areas that are Revitalization zones. Maybe Detroit, I think in Pontiac, but the smaller towns, don't want to have the 'revitalization label', although hundreds of their service people would chose to live where they work, but can't afford a home with service pay. Go to HUD.gov that is the main source for this type of information. Also, MCB is the company that services HUD homes in Michigan. Big hold up on listing hud homes; transfering from one brokerage to this new one. Every Friday, they list homes by city/county. IF the home IS in a revitalization zone, you as a teacher/cop can get the home at 50% off,. But it is pretty crushing when this program is available and your city won't participate in it! I also talked with Habitat for Humanity, they too have problems with local governments, trying to secure monies for revitalization through HUD. Politics and image. So, homes sit vacant and these homes are 10K to 50K out of budget, for cops and teachers. Keep watching Trulia, lately homes that are around 100K drop, in about two months down to about 50K, then again, another month, down to about 40K. The forclosure situation is an option for buyers, who want to buy something affordable.