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HUD FHA Refunds Search
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does
hud owe you a refund?
E-mail this to a friend
Print version
want more information?
For more information about refunds, read
our fact sheet .
consumer alert
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. If
you feel that you've been misled or in some way
harmed by a tracer; or
you've been contacted by someone asking you to become
a tracer, who you believe misled or harmed you,
Let us know . We'll check it
out.
If
you had a HUD/FHA insured mortgage, you may be eligible for a refund
on part of your insurance premium or a share of the earnings. You
can search the database by name or by case number.
To
search on a name enter the "Lastname Firstname MI". If you are not
sure of the correct spelling just type in the first few letters
of the last name. For example, you could enter SMITH JOHN E, SMITH,
or even SMI.
If
you want to search by FHA case number, enter the first 3 digits
of your case number then a dash and then the next 6 digits of your
case number.
If
your name is on the list, call our support center at (800)
697-6967 to inquire about a refund. If your name is not
on the list, but you believe that you are owed a refund, call this
same toll free number to ask about your status.
Name:
Case
#:
Content updated December 5, 2000
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FHA Mortgage Insurance Refund Chart
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FHA
Mortgage Insurance Refund Chart
The table listed below is to be used
to calculate the remaining mortgage insurance premium that you paid at the time
of origination. To calculate your estimated MIP refund, multiply your
original upfront mortgage insurance premium with the factor listed in the table
below.
MIP Refund Factors
Year 1
Year 3
Year 5
Month 1
0.9917
Month 25
0.7835
Month 49
0.3720
Month 2
0.9833
Month 26
0.7670
Month 50
0.3580
Month 3
0.9750
Month 27
0.7505
Month 51
0.3440
Month 4
0.9667
Month 28
0.7340
Month 52
0.3300
Month 5
0.9583
Month 29
0.7175
Month 53
0.3160
Month 6
0.9500
Month 30
0.7010
Month 54
0.3020
Month 7
0.9417
Month 31
0.6845
Month 55
0.2880
Month 8
0.9333
Month 32
0.6680
Month 56
0.2740
Month 9
0.9250
Month 33
0.6515
Month 57
0.2600
Month 10
0.9167
Month 34
0.6350
Month 58
0.2460
Month 11
0.9083
Month 35
0.6185
Month 59
0.2320
Month 12
0.9000
Month 36
0.6020
Month 60
0.2180
Year 2
Year 4
Year 6
Month 13
0.8917
Month 37
0.5840
Month 61
0.2068
Month 14
0.8833
Month 38
0.5660
Month 62
0.1957
Month 15
0.8750
Month 39
0.5480
Month 63
0.1845
Month 16
0.8667
Month 40
0.5300
Month 64
0.1733
Month 17
0.8583
Month 41
0.5120
Month 65
0.1622
Month 18
0.8500
Month 42
0.4940
Month 66
0.1510
Month 19
0.8417
Month 43
0.4760
Month 67
0.1398
Month 20
0.8333
Month 44
0.4580
Month 68
0.1287
Month 21
0.8250
Month 45
0.4400
Month 69
0.1175
Month 22
0.8167
Month 46
0.4220
Month 70
0.1063
Month 23
0.8083
Month 47
0.4040
Month 71
0.0952
Month 24
0.8000
Month 48
0.3860
Month 72
0.0840
Year 7
Month 73
0.0770
Month 74
0.0700
Month 75
0.0630
Month 76
0.0560
Month 77
0.0490
Month 78
0.420
Month 79
0.0350
Month 80
0.0280
Month 81
0.0210
Month 82
0.0140
Month 83
0.0070
Month 84
0.0000
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Results from search: http://www.pmirescue.com/
PMI Private Mortgage Insurance Elimination and Refund
FHA HELP
PAGE DOWN
HOMEOWNERS:
A legal "conspiracy
of silence" continues to cost us billions. If you purchased
your home with less than 20% downpayment, odds are you are,
or will be, a victim!
Click if you have a sound card
THE AUTHORITY ON PMI ELIMINATION - Immediately Downloadable From This Site.
PAGE UP
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BEWARE!
Not all information is good information. As you search the web, be aware that the advocates for the continuation of unnecessary Private Mortgage Insurance payments are disseminating misleading information and are not disclosing the most important truths about PMI and its elimination. Also be aware that numerous well-intentioned real estate professionals have "jumped on the bandwagon" but are not fully educated on PMI, and continue to report incorrect and/or inadequate information. We have yet to find a site or alternative source that does not contain either significant inaccuracies or consequential omissions. And none offer meaningful insights or strategies for effective, financially responsible removal. For instance, forget about the new legislation. It only guarantees that you will pay far too long. Also, did you know that you may very well be due a refund of a full year's PMI payments?
As a hidden portion of your
monthly mortgage payment, you are paying the premiums for
Private Mortgage Insurance (aka "PMI") to protect your
lender against the possibility of you defaulting on your
mortgage. While initially allowing for a lower downpayment,
this deceptively named insurance no longer benefits you in
any manner. In fact, it makes it slightly more likely that
you will lose your home because it makes it easier for the
lender to foreclose; and as an additional housing expense,
it makes your payments higher. It also lessens your ability
to borrow.
While the elimination process has been carefully designed "User-Unfriendly" you can
end this abusive expense and receive a refund. PMI Rescue lifts the veil on PMI and
the removal process by sharing the experience and knowledge we have acquired through our years of
assisting homeowners as real estate appraisers. We provide little-known but invaluable facts
and instructions on the most important aspects involved, which include:
Calculating the minimum value your property currently needs to have, referred to as your PMI Threshold Value
to get PMI out of your life. This essential service is provided free of charge on this site.
Estimating your property's Current Market Value to see if you already do, or when you will, qualify for ending your payments
and for receiving your refund. We also provide market-researched conclusions for the best, most cost-effective ways to increase the value of your home.
Developing an effective strategy in advance to get around all the pitfalls created to obstruct and discourage you. Whether you have already been seriously abused by years of unnecessary payments, or have only overpaid for a short period of time, having a strategy to end the abuse as quickly as possible is essential.
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Results from search: http://170.97.67.13/local/sla/refunds.html
Distributive Share or Mortgage Insurance Premium Refund
consumer
information
Distributive Share or Mortgage
Insurance Premium Refund
If you had a HUD/FHA insured mortgage,
you may be eligible for a refund on part of your insurance premium
or a share of the earnings. You can find out if you are owed
a refund by calling 1-800-697-6967 or using our online
refund search form .
To learn more about Distributive
Share or Mortgage Insurance Premium Refunds, please read the fact
sheet .
Consumer alert
Beware of people 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.
Let us know
if you feel that you've been misled or in some way harmed by a tracer.
If you are thinking about becoming a mortgage tracer, read the information
for mortgage tracers first.
Content last modified: February 21, 2002
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Results from search: http://www.lostrefunds.com/free.html
LostRefunds! FREE Money
LostRefunds! FREE Money
We provide services to help our
members open and run their very own lost money
tracer business in the United States. Free
membership for visitors who are looking for their
own unclaimed money.
LostRefunds is a private company with no connection
to any government office.
[ Home ] [ Home Business ] [ Contact Us ] [ Guarantee & Return ] [ FREE Membership ] [ Products and Services Sales ] [ Members Only ] [FREE Money Info] [ Affiliate Program ] [ Affiliate Links ] [ Link Directory ]
Hundreds of millions of dollars just waiting
to be claimed .
Finders Keepers, Losers Weepers.
Remember what children say when they find something that belongs to someone
else. That is were this money came from. The government requires all
institutions to turn over all accounts that are inactive for a given period of
time. Each state in the United States has it own rules and requirements for
claiming unclaimed money. For example California has a time limit of only 3
years, then the money is turned over to the state. The government of the United
States has a different set of rules and has it own set of rules and instructions
for claiming unclaimed money or government refunds.
Millions of different people in the
United States have free money waiting in accounts for the rightful owners to
claimer their money. Some estimates claim as high as 25% or 1 in 4
house holds in the U.S. have unclaimed/free money owed to them.
Examples of Unclaimed money:
Any account that has not received a deposit or with draw in the last
couple of years. Abandoned capital, Checking accounts, Saving
accounts, Retirement accounts, Deposits of all kinds, Just about any account
that has a cash value may be taken as unclaimed property and placed in holding
until claimed. Sounds like finders keepers to me.
At the very least everyone should check
the names of family and friends to see if anyone they know is the owner of a
free/unclaimed money. Each state in the United States has their own rules and
instructions for claiming unclaimed money. Most states will let you search by
name online for unclaimed money.
Sign up for a FREE 2
DAY PASSWORD to search names for unclaimed money.
FHA/HUD Mortgage Insurance Refund.
An example of a little known government refund is the FHA/HUD mortgage insurance
refund. To buy a home using a FHA insured mortgage the home owner is required to
buy mortgage insurance. The mortgage insurance premium is required to be paid in
full at closing for the whole length of the loan. A 30 year FHA home mortgage
would require 30 years of insurance premium be paid all at once. If the home
owner only lives in the home for 5 years (national average) then their is a
refund of 25 years of mortgage insurance premiums to be paid back to the home
owner (many times over $8,000). Their is a time limit to claim your FHA refund
is 6 years. After 6 years the FHA refund can no longer be claimed and the
government gets to keep the money.
At the very least everyone should check
the names of family and friends to see if anyone they know is the owner of a
FHA/HUD refund.
Sign up for a FREE 2
DAY PASSWORD to search names for unclaimed money.
A Great Home Business.
The Unclaimed Money Tracer business is easy to run, requires
only a few hours a week and pays very good. How does $300 paid to you for 3
hours work sound to you? More
Details.
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LostRefunds Web is maintained by
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http://www.noringwebdesign.com
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This page was last updated -
Results from search: http://www.championdiscount.com/hudrefunds/
HUD Refund Search - Trace Unclaimed Mortgage Insurance Premium Refunds and Distributive Shares
YOU CAN LAUGH AT MONEY WORRIES - IF YOU FOLLOW THIS SIMPLE PLAN!
Earn up to $800.00 a day helping the U.S. Government Process HUD/FHA REFUNDS
UNCLAIMED MORTGAGE INSURANCE REFUNDS
I'll show you the money by showing you how to make up to $300 to $1400 every
time you help someone get their own money back. This letter applies to
everyone in any state. Please read everything very slowly and carefully so
that you understand. THIS IS YOUR BREAKTHROUGH, it is also time for you to BE YOUR OWN BOSS!
Everyone who has ever bought a FHA/HUD home has had to pay an MMI or MIP
insurance policy on there loan. This did two things, it enabled the borrower
to borrow the money with less down and at the same time it guaranteed the
lender that if the borrower defaulted on the loan the Federal Government
FHA/HUD would pay the loan.
WHY DO THEY HAVE THE MONEY COMING TO THEM?
Each borrower was told that if he or she paid back the loan in good faith,
they would be entitled to a refund on that MMI or MIP insurance policy.
But when these people paid off their loan, they forgot to call FHA/HUD and
ask for their refund. For years the money has been piling up and today there
are millions and millions of dollars in the fund.
The Government decided to let anyone be a third party processor or tracer.
You are allowed to find these people, let them know that they have an
unclaimed refund that is owed to them, and let you receive a very nice
commission for doing so.
The only catch is they won't teach you how to do this. They leave that up to
you. That's where I come in, I'll show you how to make the money.
THIS IS WHAT I WILL DO FOR YOU!
I'll show you how to become a processor. I will show you how to contact
people with money due them. I'll teach you what to say, how to do the
paperwork and how to make lots of money doing it.
I have made this very easy to do and you can copy my sample form's and use
them to help yourself. It will have everything you need to get started,
with the exception of the state listing because you must pick the state
you want to start with. You can start making money the day you receive your
package.
THE MOST ASKED QUESTION
1. Do you have to be licensed by Hud/Fha?
No because you are not dealing directly with these funds. .
2. Do I get paid by Hud/Fha or by the people who have money owed them?
By the people and I'll explain how to do that, step by step. It's very easy.
3. How many people have money owed them?
There are thousands.
4. Is this legals?
Yes.
5. What's stopping me from ordering this list from Hud myself and becoming a Processor/Tracer?
There is no way you will know how to contact these people, know what to say, know how to do the paperwork and get paid right away. I've worked all that out for you..
6. What is the average refund amount?
$800.00 to $1,200.00, which make your 20% to 30% fee $240 to $400. You can also work only on case that's $1,000 or over.
7. How long will it take me to make money from the day I start?
You can start making serious money that same day. It will take 3-10, days to get the cash in your hand.
8. How do I decide on a 20% to 30% Processing Fee?
Don't get greedy, you always need to call it a Processing Fee. This enable you to charge more than 5% to 10%.
9. Do you have a lot of mailing to do?
No. I will show you how to do 70% of your work over the phone.
DON'T WAIT! ORDER YOUR PACKAGE NOW!
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Pay me securely with any major credit card through PayPal!
Results from search: http://mortgage-x.com/library/insurance_refund.htm
FHA Mortgage Insurance Refund: Who Are Eligible And How Refunds Are Processed
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Does HUD-FHA Owe You a Mortgage
Insurance Refund?
If you had a HUD/FHA insured mortgage, you may be eligible
for a refund on part of your insurance premium or a share of the earnings.
Click
here to check if HUD owes you a refund.
CONSUMER ALERT
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.
Who may be eligible for a FHA
Refund or Share?
Premium Refund:
You may be eligible for a refund of a portion of the
insurance premium if you:
acquired your loan AFTER September 1, 1983
paid an upfront mortgage insurance premium at closing AND
did not default on your mortgage payments.
Review your settlement papers or check with your mortgage
company to determine if you paid an upfront premium.
Distributive Share:
You may be eligible for a share of any excess earnings from
the Mutual Mortgage Insurance fund if you:
originated your loan before September 1, 1983
paid on your loan for more than seven years, AND
HUD processed your FHA insurance termination BEFORE November
5, 1990.
Exceptions:
Assumptions: When an FHA insured loan is assumed, the
insurance remains in force (the seller receives no refund). The owner(s) of the property
at the time the insurance is terminated is entitled to any refund.
FHA to FHA Refinances: When an FHA loan is refinanced, the
refund from the old premium may be applied toward the upfront premium required for the new
loan.
Claims: When a mortgage company submits a claim to HUD for
insurance benefits, no refund is due the homeowner.
Statute of Limitations: HUD is not liable for a
distributive share that remains unclaimed 6 years from the date notification was first
sent to the last known address of the mortgagor.
How are Refunds Determined?
The FHA Commissioner determines how much of the upfront
premium is refunded when loans are terminated. Refunds are based on the number of months
the loan is insured. After 84 months (7 years) no refund is due the homeowner.
IMPORTANT: The rules governing the eligibility for premium
refunds and distributive share payments are based on the financial status of the FHA
insurance fund and are subject to change.
How are Refunds Processed?
Mortgage company notifies HUD of insurance termination.
If you are eligible for a refund, HUD will either request
Treasury to issue you a check directly, or will send you an Application for Premium Refund
or Distributive Share Payment (form HUD-27050-B) for more information.
Read the application carefully, sign it, have it notarized,
and attach proof of ownership.
HUD either requests Treasury to issue a check or requests
additional information from you.
Got a
Refunds question?
Mortgage
professionals are welcome to participate!
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Results from search: http://www.missingassets.com/hud_refund_search.htm
HUD Refund Search - Trace Unclaimed Mortgage Insurance Premium Refunds and Distributive Shares
missing assets .com
Unclaimed Money: HUD Refunds
HUD Refund
Search - Mortgage Insurance Premium
Refunds and Distributive Shares
Unclaimed HUD refunds are owed
thousands of homeowners with FHA insured mortgages. Each year the
FHA (Federal Housing Administration), the government
agency which insures mortgages made by local lenders,
estimates the number of defaults it will likely
experience. Based on this prediction, it sets the
insurance premium home buyers pay during the year. If
fewer defaults occur than predicted, borrowers share
in the funds remaining via HUD Mortgage
Insurance Premium (MIP) refunds or
Distributive Shares.
Because
many homeowners fail to notify HUD of a new address
after a move, tens of thousands of homeowners are
entitled to unclaimed HUD refunds worth hundreds of
millions of dollars. For assistance tracing a HUD
refund order our Special Report: HUD Refund
Search (There is an $8 fee for this
service).
Name:
Telephone #:
E-mail:
Street / PO Box:
City:
State:
Zip / Postal Code:
Country:
Additional information
or special instructions:
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this report.
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mip refunds
You
may be eligible for a mortgage insurance premium (MIP) refund if
you originated your loan after September 1, 1983,
paid an upfront mortgage insurance premium at closing, and
did not default on your mortgage payments.
However,
several exceptions may apply. FHA borrowers that fit into
any one of the following situations may not be eligible for a
refund:
Assumptions:
When an FHA insured loan is assumed, the insurance remains in
force (i.e. the seller receives no refund). The new
owner of the property may be eligible for a refund when the
loan is paid in full.
FHA
to FHA refinances: When an FHA loan is refinanced,
the refund from the old premium may be applied toward the
upfront premium required for the new loan.
Claims:
When a mortgage company submits a claim to HUD for insurance
benefits, no refund is due the homeowner.
The tables listed below
are to be used to calculate the remaining mortgage
insurance premium that you paid at the time of origination.
Former
FHA borrowers who think they might be due a refund can call a toll
free number, 1-800-697-6967, or write HUD at P.O. Box 23669,
Washington DC 20026-3699. Or you can look for your name with the HUD
Refund Search Form
If
you do not receive a check or an application for refund from HUD
within 45 days after you have paid off your loan, check with your
mortgage company to confirm that they have sent HUD a request for
termination. If they confirm that the correct termination
information was sent, contact HUD. If you do not receive a
refund or any other documentation from HUD within 60 days from the
date you mailed your claim form, contact HUD immediately.
If
you have been contacted by a firm to assist them in finding
recipients of HUD refunds, click
here to read HUD's view on "tracers".
To calculate your estimated MIP refund, multiply your original upfront mortgage insurance premium with the factor listed in the table below.
For
mortgages closed before January 1, 2001:
MIP Refund Factors
Year 1
Year 3
Year 5
Month 1
0.9917
Month 25
0.7835
Month 49
0.3720
Month 2
0.9833
Month 26
0.7670
Month 50
0.3580
Month 3
0.9750
Month 27
0.7505
Month 51
0.3440
Month 4
0.9667
Month 28
0.7340
Month 52
0.3300
Month 5
0.9583
Month 29
0.7175
Month 53
0.3160
Month 6
0.9500
Month 30
0.7010
Month 54
0.3020
Month 7
0.9417
Month 31
0.6845
Month 55
0.2880
Month 8
0.9333
Month 32
0.6680
Month 56
0.2740
Month 9
0.9250
Month 33
0.6515
Month 57
0.2600
Month 10
0.9167
Month 34
0.6350
Month 58
0.2460
Month 11
0.9083
Month 35
0.6185
Month 59
0.2320
Month 12
0.9000
Month 36
0.6020
Month 60
0.2180
Year 2
Year 4
Year 6
Month 13
0.8917
Month 37
0.5840
Month 61
0.2068
Month 14
0.8833
Month 38
0.5660
Month 62
0.1957
Month 15
0.8750
Month 39
0.5480
Month 63
0.1845
Month 16
0.8667
Month 40
0.5300
Month 64
0.1733
Month 17
0.8583
Month 41
0.5120
Month 65
0.1622
Month 18
0.8500
Month 42
0.4940
Month 66
0.1510
Month 19
0.8417
Month 43
0.4760
Month 67
0.1398
Month 20
0.8333
Month 44
0.4580
Month 68
0.1287
Month 21
0.8250
Month 45
0.4400
Month 69
0.1175
Month 22
0.8167
Month 46
0.4220
Month 70
0.1063
Month 23
0.8083
Month 47
0.4040
Month 71
0.0952
Month 24
0.8000
Month 48
0.3860
Month 72
0.0840
Year 7
Month 73
0.0770
Month 74
0.0700
Month 75
0.0630
Month 76
0.0560
Month 77
0.0490
Month 78
0.420
Month 79
0.0350
Month 80
0.0280
Month 81
0.0210
Month 82
0.0140
Month 83
0.0070
Month 84
0.0000
For
mortgages closed on or after January 1, 2001:
MIP Refund Factors
Year 1
Year
2
Year
3
Month 1
0.9750
Month 13
0.7333
Month 25
0.5333
Month 2
0.9500
Month 14
0.7167
Month 26
0.5167
Month 3
0.9250
Month 15
0.7000
Month 27
0.5000
Month 4
0.9000
Month 16
0.6833
Month 28
0.4833
Month 5
0.8750
Month 17
0.6667
Month 29
0.4667
Month 6
0.8500
Month 18
0.6500
Month 30
0.4500
Month 7
0.8333
Month 19
0.6333
Month 31
0.4333
Month 8
0.8167
Month 20
0.6167
Month 32
0.4167
Month 9
0.8000
Month 21
0.6000
Month 33
0.4000
Month 10
0.7833
Month 22
0.5833
Month 34
0.3833
Month 11
0.7667
Month 23
0.5667
Month 35
0.3667
Month 12
0.7500
Month 24
0.5500
Month 36
0.3500
Year
4
Year
5
Month
37
0.3333
Month 49
0.1625
Month
38
0.3167
Month 50
0.1500
Month
39
0.3000
Month 51
0.1375
Month
40
0.2833
Month 52
0.1250
Month
41
0.2677
Month 53
0.1125
Month
42
0.2500
Month 54
0.1000
Month
43
0.2375
Month 55
0.0833
Month
44
0.2250
Month 56
0.0667
Month
45
0.2125
Month 57
0.0500
Month
46
0.2000
Month 58
0.0333
Month
47
0.1875
Month 59
0.0167
Month
48
0.1750
Month 60
0.0000
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1998-2002 All rights reserved.
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