When you take out a mortgage insured by the Federal Housing Administration, you make an up-front payment into its mortgage insurance fund along with your annual mortgage insurance premiums. If you pay off that loan relatively quickly, you may be eligible to get a portion of the money that you paid into the FHA's insurance fund back. Your lender is supposed to notify the Department of Housing and Urban Development of your eligibility for a refund when you pay off your loan, but lenders don't always send the notice. If you don't get a refund, your money ends up sitting with HUD and you can request your own refund.
Open a web browser on your computer and navigate to the HUD refund page.
Enter your HUD case number -- which is a nine-digit number, separated by a dash between the third and fourth digit -- in the "Case #" field, if you have a case number. Your case number might look like this: 123-456789.
Enter your name in the "Name:" field to search for a rebate. If you have a relatively uncommon last name, entering only your last name may be adequate. You can also enter your first name and middle initial to narrow down the search. If you enter a middle initial, but your loan doesn't have your initial on it, it won't come up, so you may need to experiment a bit.
Click the "Search" button to bring up the list of loans for that case number or name. If you're due a refund, you will see a record that shows your name, information about your loan, and the address to which it corresponds.
- Digital Vision./Digital Vision/Getty Images