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FHA MIP Refund Finder

If you have paid off a FHA loan within the last seven years by either refinancing or selling a home, you may be entitled to a refund of the unused HUD MIP (MIP is the "Mortgage Insurance Premium" that FHA charges on every FHA loan).

If you refinanced a FHA loan after January 1, 2001 that was originally obtained after July 1, 1991 but before January 1, 2001, you may be entitled to a HUD MIP refund. Prior to January 2001, FHA charge a FHA MIP of 2.25% of the loan amount that was financed into your loan. If you refinanced after January 1, 2001, the new limit was only 1.5%. Due to this change in FHA guidelines  you may be entitled to a FHA refund of the unused portion of the MIP.

Researching and collecting your HUD refund is free. Beware of people (known as "Tracers") offering to help you collect your refund for a fee. You do not need to hire someone to collect your money. You can obtain your refund directly from HUD for free.

To determine if you are due a refund from HUD, simply complete the form below or click on the link and you will be automatically directed to HUD's MIP Refund research page.

If you still own a home, take advantage of a beneficial service that will help you save thousands on your current mortgage. Learn more ra.gif (855 bytes)Here

If you know of any family, friends, or co-workers that have refinanced a FHA loan or sold a home financed by FHA in the last seven years, help them research if they are owed a refund ra.gif (855 bytes)Recommend A Friend

Name (First Last):
Email Address:
State Property is located in:
Date property was last refinanced or sold -- mm/dd/yy ie. 01/01/99
If you refinanced your FHA loan, complete the following:
Current Property Value $
Current Loan Balance: $
Current Interest Rate:     %
Current Loan Type:  
Current Loan Term:  


See if you are owed a HUD refund ra.gif (855 bytes) Research Here.


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We are not a government agency.  FHA home loans are not originated by the HUD or FHA. HUD only insures FHA loans and HECM reverse mortgages. FHA loans are originated and funded by HUD approved FHA home loan lenders. FHA-Home-Loans.com is not a mortgage lender and does not make or offer fha loans directly or indirectly.  Information about FHASecure refinance program to help borrowers who are facing foreclosure and must refinance.FHA-Home-Loans.com is owned and operated by a private company specialized in providing information about FHA loans and does not make or offer FHA home loans and FHA mortgages. FHA-Home-Loans.com is not affiliated with or owned, operated, endorsed or sponsored by HUD, Federal Housing Administration or FHA. Contact HUD directly at: www.hud.gov
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