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/
 
For more information regarding whether HUD owes you a premium refund, contact HUD's MIP Refund Center by telephone at:  (800) 697-6967  or by mail at:  
U.S. Department of Housing and Urban Development 
P.O. Box 44372
Washington, DC 20026-4372

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) & 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