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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

How can I find out if HUD owes me a refund?

Keith Gumbinger

Q: How can I find if I am qualified for a HUD refund?

A: Presuming you mean "refund of mortgage insurance premiums paid into the FHA self-insurance pool," HUD makes this pretty easy.

To find out if you are eligible, you'll want to check out this FHA Homeowners Fact Sheet which spells out all the details on how refunds are determined and processed.

If you think you are eligible based on the criteria, then you'll want to browse HUD’s “Does HUD Owe You a Refund?” page, which will provide you a place to enter your last name or FHA case number to see if you are due a refund.

Ask the expert
Keith Gumbinger
Keith Gumbinger
Mortgage Expert
Vice President, HSH.com
About Keith: Mortgage market observer and analyst with 35 years experience... (more)
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Q: How are mortgage interest rates determined?
AUG 18, 2022
A:

Mortgage rates fluctuate from day to day, depending on a number of factors related to the economy and to choices made by investors. While some mortgage money comes from deposits held by banks and credit unions, most of the funds for borrowers come from investors in capital markets.

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Q: Will today's stock market influence tomorrow's mortgage rates?
AUG 16, 2022
A:

Mortgage rates are influenced by a variety of factors, rather than moving in lockstep with any one economic indicator. The stock market rises and falls for a wide variety of reasons, including global, economic and political issues, but as a broad rule of thumb, a rising stock market indicates optimism among investors about the economy.

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Q: Should I pay private mortgage insurance out of pocket or finance the cost?
AUG 12, 2022
A:

For the most part, this is a discussion about time. You should compare the total costs of the difference in the two interest rates over your given time horizon.

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