How do I get a refund of MIP and PMI fees?

You would be due a refund if you refinance or paid off your FHA mortgage within 36 months of initiating it.. to see if you have a refund due you, follow this link... http://www.hud.gov/offices/hsg/comp/refunds/index.cfm 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

The upfront refund is calculated and automatiically credited on the HUD for the new laon

MIIP and PMI are mixing two different FHA insured products. PMI is for a regular FHA mortgage and at a certain point of loan to value and equity percentage on can request cancellation to the servicer. MIP is an insurance premium for a reverse mortgage in which there is no refund available. A reverse mortgage borrower pays MIP as long as the reverse mortgage is active and open. If one is doing a regular FHA streamline or a reverse mortgage streamline, one can possibly receive credit for paying both PMI and MIP. Also I agree wtih the other answer submitted in regards to the regular FHA mortgage being paid off within 36 months of initiating the loan,.

The Up-Front MIP (UFMIP) is refundable on a pro-rata basis if your loan is paid off within 36 months. The monthly MIP that has already been paid is not refundable. There are two parts to FHA MIP - The Up-Front amount (typically financed) and the monthly portion (never refundable).