Do I Qualify for an FHA Escrow Refund?
Obtain an FHA Escrow Refund
Have you sold your home and paid off an FHA mortgage? Then you may have an escrow refund coming. This page discusses what this means and how you can get your refund.
If you have ever paid off a home loan backed by FHA, you may have money owed to you. The government really wants you to get your money back.
About 1 in 10 FHA borrowers leave money in their escrow accounts when they pay off their loans. Thus they qualify for an FHA Escrow Refund. The average refund for each borrower is about $700.
Once you have closed on your loan you should receive a check or an application within 45 days. If this doesn’t happen check with your mortgage company to confirm that they have sent HUD a request to terminate the mortgage insurance on your loan. 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 120 days after the date you mailed your application, contact HUD immediately.
Unfortunately, this sometimes gets overlooked and you have to be proactive to obtain the monies owned to you.
Former FHA borrowers who think they might be due a refund can call a toll free number, 800-697-6967, write HUD at P.O. Box 23699, Washington DC 20026-3699, or look for his/her name with the HUD Refund Search Form on their web site.
Be sure to include your name, your FHA case number, the date that the mortgage was paid-in-full, the property address, and your daytime phone number with all inquiries.
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