FHA loans
When applying for an FHA home loan, some lenders may ask for tax paperwork as part of the application process. Some borrowers may wonder if this is legal, or an acceptable practice for home loans in general.
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Does the FHA Owe You a Refund?
At one time, the FHA was approved to offer refunds on Upfront Mortgage Insurance premiums under certain circumstances. In 2005 President George Bush signed legislation which included putting an end to these refunds, including mortgages with insurance starting on or after December 8, 2004. Naturally there are exceptions for those who got loans with Upfront Mortgage Insurance prior to that date--FHA loan holders may be entitled to a refund if:

  • The FHA loan started after 1 September 1983 and before December 8, 2004

  • The borrower paid an upfront mortgage insurance premium as part of closing on the house

  • The borrower did not default on FHA mortgage payments
FHA mortgage holders who have loans dated after December 8, 2004 are still entitled to a refund of their Upfront Mortgage Insurance premiums if they refinance to another mortgage insured by the FHA.

Why is it important to know about FHA refund policies? Many homeowners have received e-mails or regular mail solicitations about such refunds. Have you gotten messages claiming you are owed a large refund by the FHA? Third-party companies that solicit you in this way may claim you are only entitled to your refund if you refinance your home or if you pay the third party company a fee to "track down" or "trace" your FHA refund.

Fortunately, these claims are NOT TRUE. You don't need third-party assistance to determine whether you are owed an FHA refund or not. You can call the Department of Housing and Urban Development to learn more about your eligibility for an FHA mortgage insurance premium refund by dialing 1-800-697-6967. The Department of Housing and Urban Development and the FHA do not sponsor or endorse third-party refund assistance programs.

The FHA warns consumers that there is no need to pay for help getting refund money from the FHA. In fact, in some cases it may be more advantageous not to take a direct payment of this refund. As stated before, that FHA-to-FHA refinances allow you to transfer FHA refund money to pay for the upfront mortgage insurance premium on FHA refinancing--a good way you can offset the up front costs of an FHA loan. But you need to determine whether you're eligible for the refund or not. Contact HUD to learn more--be sure to have your closing date and other pertinent information handy to properly track your FHA loan.


When applying for an FHA home loan, some lenders may ask for tax paperwork as part of the application process. Some borrowers may wonder if this is legal, or an acceptable practice for home loans in general.
There are many questions about the official FHA loan rules for occupancy for single-family home loans. According to FHA rules, a borrower must occupy the home purchased with a single-family FHA loan as a personal residence as a condition of loan approval.
After the housing market crisis of the previous decade, many mortgage borrowers found themselves having trouble making their monthly payments. In some cases, borrowers just walked away from the mortgage completely and allowed the home to be foreclosed upo
The FHA has announced it would accept electronic signatures (also known as e-signatures) on several FHA home loan documents. The new policies are found in detail described in FHA Mortgagee Letter 14-03.
Some of your FHA loan closing costs may be financed, and some may--after being negotiated between buyer and seller--be paid by the seller within the boundaries of the FHA loan programís rules. The borrower can also pay some closing costs out of pocket.

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