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For many years, the upfront mortgage insurance premium that is added to the principal balance of FHA mortgages was refundable on a pro-rata basis no matter how the loan was paid off. This was changed several years ago and now the upfront mortgage insurance fee is only refundable if you are refinancing with another FHA insured mortgage. Because this change is many years old now, most people who were due a refund from HUD have already received their refund. Yet everyday I still see ads enticing people to work from home “processing” HUD refunds!

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