The History Behind Processing HUD/FHA Refunds

Since 1986 the United States Department of Housing and Urban Development (HUD) has offered a program that allows the general public to assist them with tracing people who are owed refunds from previous Federal Housing Administration-insured mortgages.

HUD/FHA works with several lenders nationwide in assisting potential home buyers in getting loan approval. Through an agreement with these lenders HUD/FHA will step in and make the required monthly mortgage payments if the people are unable to. This in turn enables the individual to get loan approval and to purchase the home with much less down. This has helped millions of people buy homes who otherwise would never have been able to qualify.

In order for HUD/FHA to assist these people they must pay into an insurance policy on that loan. There are two insurance policies used with this program: the One Time Mortgage Insurance Premium (MIP) which requires one payment to be made upfront at the time the mortgage is acquired, and the Mutual Mortgage Insurance policy (MMI) which is paid during the life of the loan.

These people were told that if they paid back the loan without defaulting on any mortgage payments, either by selling the home, making the required payments, or by refinancing the home, they would be entitled to a refund on the amount that was paid into the insurance policy.

HUD/FHA even sends them a letter but if they do not make an attempt to collect the refund for a period of two years, the refund is then deposited into an unclaimed account. The result is that there are currently thousands of unclaimed cases resulting in millions of unclaimed dollars.

In 1986, HUD/FHA established an effective way of getting this money back to the people. They decided to publish state lists of unclaimed refund cases and allow anyone who is interested to assist them in getting these unclaimed refunds to the people they are owed to. HUD/FHA does not officially sponsor this program, however, along with making these unclaimed cases available for the general public, HUD/FHA has created a form that is provided to the people owed these refunds once they have been located.

You are allowed to contact these people to let them know they have an unclaimed refund and get paid a generous processing fee for the services you provide. The processing fee you collect can be as much as 20% of the amount of the refund.

Getting Started

The state lists of unclaimed cases are available on the Mortgage Insurance List Selection Page at HUD/FHA's website at the following link: These lists are updated monthly. Also on the Mortgage Insurance List Selection Page is a brief form that is provided to the refund recipient after they have been located.

The HUD/FHA Refund Processor Quick-Start Kit from United Refund Services provides everything you need to be successful in this program. This includes training information where you will learn proven methods for locating the owners of these unclaimed refunds quickly and free of charge, introduction letters to use once they have been located, and precise instructions on how to collect your payment for services rendered. The HUD/FHA Refund Processor Quick-Start Kit can be purchased here.

Consumer Awareness

Have you received a suspicious postcard or letter offering a Government Refund Processor opportunity? Have you seen a similar opportunity advertised in a newspaper or on the Internet?

You can view important consumer awareness information about these topics and more here

Frequently Asked Questions

Please feel free to review the list of Frequently Asked Questions. This should help answer any questions you may have about this program.

You can visit the Frequently Asked Questions page by clicking here

HUD/FHA State Lists

HUD/FHA offers state lists of unclaimed cases that are updated on a monthly basis. The following link will take you to HUD/FHA's portal where you can download these lists free of charge: Mortgage Insurance List Selection Page. Prior to 2012, people interested in processing HUD/FHA refunds were required to purchase mortgage insurance lists but these are now available without cost. For precise instructions on how to use the mortgage insurance lists click here.

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