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Do you have an FHA loan or HUD insured mortgage? In certain cases, if you paid an up-front mortgage insurance premium at the closing of your house and did not default on your mortgage payments, you may be eligible for a refund on part of your insurance premium.

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April 23, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

Am I Entitled to a Refund for My FHA Loan?

FHA Common Question #5

Do you have an FHA loan or HUD insured mortgage? In certain cases, if you paid an up-front mortgage insurance premium at the closing of your house and did not default on your mortgage payments, you may be eligible for a refund on part of your insurance premium.

Loans granted after September 1, 1983 may be entitled to this refund. If you aren't sure whether you paid an upfront premium, check your settlement paperwork or phone your lender to learn more. You will need your FHA case number to perform the search. If you need further assistance, contact your FHA loan officer for help.

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FHA Loan Articles and Mortgage News

FHA Standards Versus Local Laws

April 15, 2019 - Some borrowers get confused over the differences in what the FHA home loan program will permit versus state or local laws that have a say in similar or identical areas. It’s easy to assume that FHA loan rules would override a local ordinance, but this is definitely not true.

FHA Condo Loans for Self-Employed Borrowers

April 13, 2019 - FHA condo loans allow financially qualified borrowers to apply for maximum financing of 96.5% and a 3.5% down payment. FHA loan minimums permit maximum financing and the lowest down payment for those with FICO scores 580 or higher.

FHA One-Time Close Construction Loan Rules to Know

April 12, 2019 - FHA One-Time Close construction loans are different than other FHA new purchase loans. There are some basic differences between new construction and existing construction FHA loans. Before we launch into those differences, it’s important to point out one very important aspect about this program.

Buying a Home With an FHA Loan? Ask Questions.

April 11, 2019 - If you are buying your first home with an FHA mortgage, there are some questions you should ask about the property you want to buy. Sometimes it only takes a little bit of information to help make up a potential homeowner’s mind, but knowing the right questions to ask is key.

Is the FHA One-Time Close Construction Loan Right for You?

April 10, 2019 - FHA One-Time Close construction loans are designed for those who want to have a home built for them from the ground up. Construction loan mortgages, especially FHA One-Time Close loans, are unique among mortgage lending products and have some distinct advantages.