Am I eligible for a mortgage insurance refund?

The Upfront Mortgage Insurance Premium (UFMIP) is not refundable, except in connection with the refinancing to a new FHA-insured Mortgage.
 
When refinancing an FHA-insured Mortgage to another FHA-insured Mortgage within 3 years, a refund credit is applied to reduce the amount of the UFMIP paid on the refinanced Mortgage.
 
Information about FHA mortgage insurance refunds and whether a refund may be owed to you can be obtained by going to HUD's website at: 
https://entp.hud.gov/dsrs/refunds/
 

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 sf.premiums@hud.gov 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 inquiries should include your name, your FHA case number, the date that the mortgage was paid-in-full, the property address, and your daytime phone number.

Handbook 4000.1 II.A.2.e.i(B) and II.A.8.d.iv.

https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh
 


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-03985