There are quite a few people who are currently owed money from HUD because they had an FHA loan at one time and according to the rules of the way their Up Front Mortgage Insurance Premium account worked, they are owed a refund.
The good news is that for these people, HUD has made it easy to find out if you are owed an MIP refund and also how to claim it.
Oh, and finding out if you are owed a MIP refund and how to claim it is free -- don't let anyone charge you money for helping you discover if you are owed a MIP refund and how to collect it.
Just visit HUDs website and find out for yourself if you are owed a refund and how to collect it.
If You Think You Might Be Due An MIP Refund:
“Beware of “tracers” who offer to help you collect your refund for a fee. Although this practice is not illegal, you can get your refund directly from HUD for free.”
You also can see the Frequently Asked Questions that people ask regarding their MIP refunds here.