Does a borrower have to pay a fee to collect their FHA mortgage insurance refund?

You do not need to pay a fee to anyone or hire someone to collect your refund. Beware of people (known as “tracers”) offering to help you collect your refund for a fee.  You can obtain your refund directly from HUD for free.
To obtain information on your eligibility to obtain an FHA refund, visit the following web site:
Additional information regarding FHA Refunds is available at:
In response to the COVID-19 pandemic, FHA is permitting homeowners to submit all documentation related to their application for a mortgage insurance premium refund to or faxing it to (301) 572-8079.  The e-mail link or fax option will eliminate the need to use traditional means such as the U.S. Postal Service and will allow FHA to continue to process homeowner refunds in an effective and safe environment. 
If you have any questions, please contact the Single Family Insurance Operations Division Call Center (800) 697-6967.


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-01407