38 N Midland Dr, Pontiac, MI

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38 N Midland Dr, Pontiac, MI | HUDPRO

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HUDPRO Insight

What this property is

For shopping purposes, treat this as a comfortable 3-bedroom, 2-bath single family home with 1,333 sq ft on a generous lot built in 1960. Pontiac, MI looks more rural/suburban on paper — verify drive time, insurance, and contractor availability before you commit.

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Financing & repairs

FHA status UI (uninsurable) usually means the property needs work before standard FHA insurance applies — many buyers route this through FHA 203(k) with a HUD-experienced lender, not a vanilla 203(b) assumption. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window. FHA $100 Down can reduce cash-to-close for eligible owner-occupants — program rules still apply to case status and bidding period.

What UI means for buyers HUD financing guide $100 Down listings

Buyer competition & practicality

Good Neighbor Next Door inventory can attract disciplined public-service buyers when eligible — verify occupancy and employer rules before you treat this like a standard HUD bid. Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. At roughly 3 days on market, this is relatively fresh HUD inventory — competition can spike once photos and PCR circulate.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

👍 Looks like a good deal

Recently listed — worth a look

Days on Market3 days

Price TrendStable

Listing ActivityNew

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HUD Program Eligibility

$100 Down EligibleYes

Good Neighbor Next DoorYes

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusUI (Uninsured)

HUD List Price

$48,000

$100 Down Eligible

3 bd · 2 ba · 1,333 sq ft

Built 1960 · Lot 6,000 sq ft

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Oakland County, MIReal estate agent

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Oakland County, MIMortgage broker

Local Certified Home Inspector

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Oakland County, MIHome inspector

Bid DateTue, Sep 8 • 11:59 PM CT

Buyer FitPhase: Owner Occupied · Uninsured

Property Snapshot3 bd / 2 ba · 1,333 sq ft

Financing203(k): Eligible · $100 Down

HUDPRO Buyer Report

Here's what we think
about this home.

38 N Midland Dr, Pontiac MI 48342 · Listed $48,000

Valuation data not available

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Is This a Deal?

—

Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$304 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$293 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

3 days left

Bids due: Tue, Sep 8 (11:59 PM CT)

Homes like this move fast. Schedule a showing now.

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Buyer Eligibility

Owner-occupants only

Must be your primary residence for at least 12 months.

No investors during this period.

Recent Sold HUD Homes in This County

Archived HUD sales in Oakland County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$36

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.