The Department of Housing and Urban Development (HUD) is the government agency responsible for issuing FHA loans and refunds. If you ever held an FHA loan, an FHA mortgage insurance refund could have your name written all over it. Want to find out how you can check to see if you’re one of these lucky borrowers?
Even if you don’t think you have an MIP refund, it doesn’t hurt to find out. Searching for your refund is fast, easy and doesn’t cost a thing. Here’s how you can check for yourself.
In most cases, your mortgage lender will contact you and let you know that you have an MIP refund waiting for you. But if you never received notice, it’s up to you to check yourself.
Searching for your missing money is a simple, two-step process that begins with searching the HUD database.
The database has information on those who are owed a HUD mortgage insurance refund, and you can access it for free online.
You can search the database with your:
- FHA case number
If you think you have an FHA MIP refund but don’t see your name in the database, it might be worthwhile to double-check by contacting the HUD directly. Sometimes, the agency needs a few more pieces of information about you or your loan in order to process your refund.
If you still need help finding your FHA refund, you can call the Mortgage Insurance Premium Refund Support Service Center. A representative will walk you through the process and let you know if you need to do anything further.