should be careful about any literature or solicitations stating
that a change in HUD's, FHA's or the government's policy will prevent
you from receiving your refund and that you should call their office
should be aware that there are firms that might claim that you must
refinance your loan in order to qualify and/or quote some large
refund available to you if you refinance your loan with their firm.
If you are unsure whether your loan was FHA, you can call HUD on
1-(800) 697-6967 and provide your name and property address,
or you may contact us at email@example.com.
Please be advised that the Department does not sponsor a Third-Party
Tracer Program. Third-party tracers are independent business enterprises
involved in locating homeowners who may be entitled to a Federal
Housing Administration (FHA) single family mortgage insurance premium
refund or distributive share payment. These firms attempt to match
a homeowner with the government funds owed, as part of a private
relationship that the tracer is trying to establish. It is up to
the third-party tracer to develop their client relationship and
to ensure receipt of their fee. The Department is not a party to
any agreement, financial or otherwise, between third-party tracers
and their clients.
Under the Freedom of Information Act (FOIA) of 1986, the Department
makes available to the public a cumulative listing of unpaid Distributive
Shares and Mortgage Insurance Premium refunds for Mutual Mortgage
Insurance mortgages that remain unpaid for a minimum of 2 years.
Until September 30, 2011, the Department provided the requested
information through the Department of Commerce's National Technical
Information Service (NTIS) for a fee. Some entrepreneurs have developed
commercial ventures using the listing provided by HUD through NTIS.
Currently, the Department is in the process of developing a new
delivery system, in order to provide the Mortgage Insurance Refund
List to the public on the FOIA website, so that the State Listings
can be easily downloaded at no cost to the requestor from the FOIA
Frequently Requested Materials webpage.
Since the FOIA listings contain public information, HUD cannot prevent
individuals or organizations from utilizing this data for their
own financial interest. However, the Department neither promotes
the commercial use of these listings nor reimburses third-party
tracers for any losses that they incur in locating claimants. HUD
neither encourages nor discourages the efforts of third-party tracers,
as long as the tracers do not misrepresent themselves or the process
to the public.