See a HUD loan sale run
front to back.
This is the HUD OAS Transaction Platform — qualification, secure data room, sealed bidding, evaluation, and settlement in one place. The demonstration runs on sample sales for all five programs (HVLS, HNVLS, SFLS, MHLS, HLS) with the same rules, bid math, and sequence as the published Bidder Information Package. Every button below opens the real interface, signed in as a qualified demonstration bidder.
Nothing here touches a live system. Demonstration mode runs on sample data in your browser — bid, withdraw, approve, and evaluate freely. A banner stays at the bottom of every screen while you're in it, and Exit returns you here. Your actions persist while the tab is open and reset when you leave.
Act I — The bidder's experience
Your sale, exactly as it runs today
The same sequence a bidder follows now: qualify, work the data room, price the assets, transmit a sealed bid. Same bid math, same validations, same discipline — in a modern workspace.
1
Qualification — the full stack, digital
The eight-step intake walks the complete qualification file: the Confidentiality Agreement first, then entity, beneficial ownership, financial capacity, disclosures, and the Bid Terms Acknowledgement and Authorized User designation (BTAF / BAUF) before certification. OFAC and SAM screening fire before submission reaches the Transaction Specialist.
Try thisClick through the steps without filling anything — watch each gate refuse to advance until its requirements are met.
2
The residential bid sheet — one percentage per loan
Open the HVLS sale. The bid form is loan-level: every HUD figure is locked; the only thing a bidder can type is a
BID % per loan (to five decimals). The dollar bid derives on screen — bidders never type a dollar amount — and pools participate whole: a percentage on every loan, or the pool entirely blank.Try thisUse "Apply % to all loans" with
55.12345 — the pool goes COMPLETE and the deposit floor kicks in. Then type 0 on any loan, or blank one loan out, and watch the form refuse it.3
Submit — receipt and completion CODE
A validated form returns a timestamped platform receipt with the sale's form-completion CODE, the derived total, and the exact deposit due under the BIP — the greater of the floor or the stated percentage of the aggregate bid. Until the window closes, resubmitting supersedes the prior form; the latest validated form governs.
Try thisSubmit, note the CODE on your receipt, then change a percentage and submit again — My Bids shows the prior form superseded and exactly one live bid.
4
The data room — every asset, due diligence and collateral
Sale documents (BIP and supplements, the tape, procedures, forms) sit on top; below them, every asset carries its own file set, split into Due Diligence Files and Collateral Files — BPOs, title work, and inspections beside the note, mortgage, and assignment chain — named the way the sale workspace names them (
STATE_FHA#_DOCTYPE.pdf). Search by case number, property, city, or state. Every download is watermarked to the requesting bidder and access-logged with identity, time, IP, and user agent.Try thisOpen the Data Room tab, expand any asset, and download a collateral file — your demonstration entity is stamped on it. Then search a state code and watch the room filter to matching assets. Ask a question in Q&A; you'll answer it later from the admin console.
5
Commercial — percentage of UPB per asset
The Healthcare sale prices each asset pool as a
BID % of its unpaid principal balance, derived dollars read-only — the same single-input discipline as residential. Each asset stands alone: bid the ones you want, leave the rest blank.Try thisEnter
72.5 on the first asset — the derived bid computes against the pool's UPB and the deposit is 10% of the aggregate, exactly per the BIP.Act II — The Transaction Specialist console
Bid day, evaluation, and everything after
The other side of the table: the pipeline, live bid operations, confidential evaluation, and settlement tracking — with reserves and evaluation logic visible only here, never to bidders.
6
Operations dashboard
Both portals at a glance — active sales, qualification pipeline, deadlines, and bid activity across all five programs.
7
Bidder pipeline — review and approve
Every application with its screening evidence. Approval provisions portal access automatically; requests for more information and declinations are one action each, all logged.
Try thisApprove a pending bidder and watch the status move through the pipeline.
8
Bid day — the live feed
Bids arrive with conformance checks already run. The bids you submitted in Act I appear here under your demonstration entity — sealed from other bidders, fully visible to the Transaction Specialist.
9
Evaluation — confidential reserves, scenario modeling
Reserves live only in this room. Set them per pool, run the evaluation against the live conforming bid set, compare scenarios, and approve awards — which spawn settlement records automatically.
Try thisSet a reserve, run the scenario against your own Act-I bids, and approve the award. Then open Settlements to see the record it created.
10
Settlement & compliance
Program-specific milestone timelines, deliverables checklists, and the post-sale reporting queue — through final settlement and the Commissioner's Report.
Underneath it all
The rules the platform refuses to break
The production system enforces the sealed-bid discipline end to end — these are running on the live platform today.
Sealed bids, structurally
No bidder can see another's bids, the bid count, or any reserve — not in the interface, the API, exports, or error messages.
Server-derived math
Every dollar figure is recomputed server-side from the HUD-furnished tape. Client-supplied amounts are ignored.
Whole-pool participation
A percentage on every loan in the pool, or the pool entirely blank — partial pools are rejected at submission.
Emailed-code sign-in
Every account requires a second factor: a one-time code emailed at sign-in. No authenticator app to install.
Per-bidder watermarking
Documents download stamped with the requesting bidder's identity and timestamp, and every access is logged with IP.
Audited infrastructure
WAF at the edge, CloudTrail audit logging, encrypted storage with key rotation, alarms on the bid-critical path.
Want to go deeper?
Everything you just used is the production system — the demonstration simply swaps in sample data. We can provision you a live, authenticated account (sign-in code to your own inbox), walk the platform together on a call, or run a full mock sale on data you choose.
House Strategies Group LLC · jelani.house@housestrategiesgroup.com · hudloansales.housestrategiesgroup.com