March 3, 2021

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FHA Refunds–How Do I Find Out If I’m Owed Money?

One of the frequently asked questions at involves FHA loan refunds for mortgage insurance premiums. This continues to be an issue for the FHA, and according to the agency has increased its efforts to find home owners who are due refunds.

The FHA has hired a third party agency called Immediate System Resources to assist in the search for those who are due an FHA mortgage insurance premium refund. According to the FHA, “This will save people the ‘finders fees’ normally collected by third party tracers. If someone from Immediate System Resources, Inc. contacts you, they are officially affiliated with HUD and will help you and won’t charge you to get your refund.”

The “tracer companies” mentioned in the quote above contact home owners with offers to help locate the mortgage insurance premium refund–for a fee. But no fees are needed as the FHA offers borrowers a cost-free way to find out if they are owned money. The tracer companies are not operating illegally, but their fees are unnecessary.

Borrowers are encouraged to check the FHA list to see if their name appears. Simply go to the FHA official site page titled “Does HUD Owe You A Refund”.  If your name appears, call the FHA/HUD directly at 1-800-697-6967 to get more information. FHA advises borrowers to have their FHA case number handy to speed up the process.

At the time of this writing, the FHA advises, “Due to increased public interest, the Mortgage Insurance Premium Refund Support Service Center is experiencing a high volume of calls. Please be aware that the 1-800-697-6967

Joe Wallace - Staff Writer

By Joe Wallace

December 21, 2011

Joe Wallace has been specializing in military and personal finance topics since 1995. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. He was Managing editor for for (8) years and is currently the Associate Editor for

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About was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its “FHA News and Views”.

5850 San Felipe Suite #500, Houston, TX 77057 281-398-6111. is privately funded and is not a government agency.

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