At what point can you receive a refund from FHA for paid MIP?

If your talking about Monthly Insurance, then there is no refund offered... if your talking about the Upfront Premium charged by FHA then the rules are different depending on when your loan was originated and endorsed by FHA.. Currently, you will not get a refund at all. If you refinance into a new FHA loan, and your original loan was endorsed within the last 48 months, then you will receive a prorated credit against the new FHA premium, but that's it.. there are other rules for older loans, but probably are not applicable, since they only paid refunds out to 5 to 7 years, and the current rules have been in effect for 9 years now.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

If you have an old FHA loan, it was on a sliding scale over the first 7-years. More recent loans (since 2005) are on a sliding scale for for 36 months and only for a refinance. For example, at month 12, you could get a 58% credit on what you originally paid. But by the time you hit month 36, it is only a 10% credit of what you originally paid. www.streamline-refinance-mn.com

If the FHA loan in question was originated within the last 9 years or so, the only way to receive a refund is if A) the loan were paid off within the first 3 years and B) you would need to refinance into a new FHA loan. Here is the HUD page for reference: http://www.hud.gov/offices/hsg/comp/refunds/fhafact.cfm

There are no refunds with the MIP. If you refinance your loan into another FHA loan within the first thirty six months of obtaining the loan, then you will get a monthly prorated credit towards the new refinancing loan.

Sorry, no refunds on recent FHA loans.