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Refinance Authorization/Refinance Credit Query Help


	Information by State Print version

Refinance Authorization allows a lender to access the Upfront Mortgage Insurance Premium (UFMIP) information for Refinance cases. This information includes the used and refundable amounts of the UFMIP from the old case. The listed information is for a two month period, the indicated month and the following month, and is based on the closing date entered. An authorization number and an expiration date will be issued when the exchange of information is verified and posted.

Refinance Credit Query is used to determine the refinance credit available for an active FHA-insured loan (case) that is being refinanced. However, it cannot be used for a HECM refinance case. Refinance Credit Query provides 30-day and 60-day calculations based on the projected closing date of the new loan. Refinance credit is upfront MIP that was paid but not earned by HUD. It was formerly known as the refi netting amount. Refinance credit from the old case is applied to the new case when an upfront MIP payment is remitted for the new case. If the new loan is a conventional loan and will not be FHA insured, a refund to the borrower may be in order.

Refinance Credit Query can be used before Case Number Assignment is processed for the new loan and a Refinance Authorization Number is issued. Refinance Credit Query does not issue or provide the Refinance Authorization Number. After Case Number Assignment is processed for the new loan, you can use Refinance Authorization to view refinance information (including the Refinance Authorization Number) and update the projected closing date.

Contact information is not required for Refinance Credit Query.

To test your application against pilot data, post your XML input file to:
https://hwvauwd491.hud.gov/b2b/chums/f17refaxml.cfm
To run your application against live data, post your XML input file to:
https://entp.hud.gov/b2b/chums/f17refaxml.cfm

History of Changes

Risk Based Pricing, July 12, 2008 implementation
Added Refinance Credit Query functionality

For more information please contact sfadmin@hud.gov. Please specify that this is a "B2B" question.

XML File Layout

Key:

Only used on input	Element/attribute is not produced by program output unless it is being returned due to an error condition.
Only used on output	Element/attribute is returned by program but is not required or interpreted when the program is called.
Used on input and output	May not always have exactly the same meaning on input an output though. Please consult the reference table from the linked data items for details.
Deprecated	Obsolete; all deprecated elements are supported but please use indicated element.
n	Indicates a numeral, e.g., msg_n may be msg_1, msg_2, msg_3, etc.
Data Types
Integer	Indicates a numeral
Alphanumeric	Mixed Text (alphabetic, numeric and punctuation) Note: Some fields restrict some punctuation.
Numeric	Formatted number, e.g. 999.99
String	Specific keywords as indicated
Date	A valid date, represented as YYYYMMDD

Linked data names in the XML layout are the FHA Direct/CHUMS data names. Clicking on these links will provide detailed information of the data items. (Links are shown as brown text to avoid obscuring underscores in data names.)

<?xml version='1.0' standalone='yes'?>
<MORTGAGEDATA MISMOVersionID='1.0.1'>
 <PROCESSSTATUS>
  <ProcessStatusCode>mode</ProcessStatusCode>
  <ProcessStatusMessage sCode = '1'>mess</ProcessStatusMessage>
 </PROCESSSTATUS>
 <Application>
  <AgencyCaseIdentifier>caseno</AgencyCaseIdentifier>
  <UNDERWRITINGCASE>
   <FHAVA FHAVAPreviousCaseNumber = 'prev_case'>
    <FHAVAMortgageInsurancePremium UpfrontMIPFactor='umipf' AnnualMIPFactor='amipf' LoanTerm='180' />
    <FHAVAMortgageInsurancePremium UpfrontMIPFactor='umipf' AnnualMIPFactor='amipf' LoanTerm='360' />
    <FHAVAOriginatorIdentifier>orig</FHAVAOriginatorIdentifier>
    <ClosingPackageReceivedDate>cprd</ClosingPackageReceivedDate>
    <FHAVAStreamlinedReFinance FHAVAStreamlinedReFinanceAuthorizationNumber = 'srfi_auth'>
     <FHAVASRFIName>srfi_name</FHAVASRFIName>
     <FHAVASRFIAddr1>srfi_addr</FHAVASRFIAddr1>
     <FHAVASRFICity>srfi_city</FHAVASRFICity>
     <FHAVASRFIState>srfi_state</FHAVASRFIState>
     <FHAVASRFIZipCode>srfi_zip</FHAVASRFIZipCode>
     <FHAVASRFIMortgagee>serv</FHAVASRFIMortgagee>
     <FHAVASRFIExpirationDate>srfi_expdate</FHAVASRFIExpirationDate>
     <FHAVASRFIUnearnedMIP1>srfi_uemip1</FHAVASRFIUnearnedMIP1>
     <FHAVASRFIUnearnedMIP2>srfi_uemip2</FHAVASRFIUnearnedMIP2>
     <FHAVASRFIUnearnedMIPFactor1>srfi_mip1</FHAVASRFIUnearnedMIPFactor1>
     <FHAVASRFIUnearnedMIPFactor2>srfi_mip2</FHAVASRFIUnearnedMIPFactor2>
     <FHAVASRFIMortgageAmount>srfi_mort</FHAVASRFIMortgageAmount>
     <FHAVASRFIPremium>srfi_prem</FHAVASRFIPremium>
     <FHAVASRFITerm>srfi_term</FHAVASRFITerm>
     <FHAVASRFIEarnedMIP1>srfi_emip1</FHAVASRFIEarnedMIP1>
     <FHAVASRFIEarnedMIP2>srfi_emip2</FHAVASRFIEarnedMIP2>
     <FHAVASRFIClosing1>srfi_clsg1</FHAVASRFIClosing1>
     <FHAVASRFIClosing2>srfi_clsg2</FHAVASRFIClosing2>
     <FHAVASRFILoanTerm1>srfi_lterm1</FHAVASRFILoanTerm1>
     <FHAVASRFILoanTerm2>srfi_lterm2</FHAVASRFILoanTerm2>
     <FHAVASRFIOriginalPropertyValue>srfi_value</FHAVASRFIOriginalPropertyValue>
     <FHAVASRFIContactName>srfi_contact</FHAVASRFIContactName>
     <FHAVASRFIContactPhone>srfi_phone</FHAVASRFIContactPhone>
    </FHAVAStreamlinedReFinance>
   </FHAVA>
    <CombinedLoantoValueRatio _Value='ltv' />
  </UNDERWRITINGCASE>
 </Application>
 <BORROWER>
   <UnparsedName>borr_name</UnparsedName>
 </BORROWER>
 <PROPERTY>
  <City>city</City>
  <State>state</State>
  <PostalCode>zip</PostalCode>
  <County>county</County>
  <PARSEDSTREETNAME>
   <HouseNumber>hse_no</HouseNumber>
   <DirectionPrefix>pre</DirectionPrefix>
   <StreetName>street</StreetName>
   <StreetSuffix>type</StreetSuffix>
   <DirectionSuffix>post</DirectionSuffix>
   <ApartmentOrUnit>unit</ApartmentOrUnit>
  </PARSEDSTREETNAME>
  </PROPERTY>
  <SUBJECTPROPERTY>
   <SubjectPropertyShortLegalDescriptionBlk>blk</SubjectPropertyShortLegalDescriptionBlk>
   <SubjectPropertyShortLegalDescriptionPlt>plt</SubjectPropertyShortLegalDescriptionPlt>
   <SubjectPropertyShortLegalDescriptionLot>lot</SubjectPropertyShortLegalDescriptionLot>
  </SUBJECTPROPERTY>
   <PARTY PARTYID='serv' PartyType='Lender'>
   <PartyName>serv_name</PartyName>
  </PARTY>
  <PARTY PARTYID='old_orig' PartyType='Lender'>
   <PartyName>old_name</PartyName>
  </PARTY>
</MORTGAGEDATA>

Data Reference

mode	String	Valuse Update and Query are sent to specify a Refinance Credit Query (Query) or a Refinance Authorization (Update.) When the funtion is run the strings "Success or Error will be returned in this field.
mess	Alphanumeric	Message Notification to the user that processing was successful. Any warnings are displayed below this message.
caseno	Numeric	FHA Case Number Unique 10-digit identifier assigned by the Federal Housing Administration (FHA) to the active FHA-insured loan being refinanced.
cprd	Date	Projected Closing Date Estimated closing date for the new loan. Note: Refinance credit (refi netting amount) is calculated based on this date.
srfi_clsg1	Numeric	Month and year (yyyymmdd) of the closing of the new FHA-insured loan, based the Projected Closing Date.
srfi_clsg2	Numeric	Month and year (yyyymmdd) following the Projected Closing Date.
srfi_prem	Numeric	Computed Premium Upfront mortgage insurance premium for the loan being refinanced.
srfi_term	Numeric	Period of Insurance Number of months the loan being refinanced has been FHA-insured, based on the Projected Closing Date.
srfi_lterm1	Numeric	Old Term (in months) Number of months required to amortize (repay) the loan being refinanced.
srfi_mort	Numeric	Original Mortgage Amt Dollar amount that identifies the principal obligation for the FHA-insured loan being refinanced as stated on the borrower's security instrument at the time of endorsement.
srfi_mip1	Numeric	Refund UFMIP Factor (%) Factor used to calculate the upfront mortgage insurance premium (UFMIP) refinance credit amount, based on the Projected Closing Date.
srfi_emip1	Numeric	UFMIP Earned by HUD Dollar amount of upfront mortgage insurance premium (UFMIP) earned by HUD, based on the Projected Closing Date.
srfi_uemip1	Numeric	Unearned UFMIP Dollar amount of upfront mortgage insurance premium (UFMIP) not earned by HUD, based on the Projected Closing Date. Refinance credit amount.
srfi_value		Original Property Value. Appraised value or sales price of the property, whichever was used in the original loan-to-value calculation.
srfi_contact	Alphanumeric	Contact Name. Name of the lender's contact person.
srfi_phone	Alphanumeric	Contact Phone Telephone number of the lender's contact person.
ltv	Numeric	Pricing LTV The loan-to-value ratio of the old loan used to determine the upfront and annual mortgage insurance premium (MIP) factors for the new loan based on loan characteristics. Note: This field is only displayed for a streamline refinance case.
srfi_lterm1	Numeric	Term Length of the loan; period of time in months from the beginning of loan amortization until maturity (e.g., 180 or 360).
umipf	Numeric	Upfront MIP Factor Factor used for determining the amount of upfront mortgage insurance premium (MIP). Note: This field is only displayed for a streamline refinance case.
amipf	Numeric	Annual MIP Factor Factor used for determining the amount of annual mortgage insurance premium (MIP). Note: This field is only displayed for a streamline refinance case.
prev_case	Numeric	Old Case Unique 10-digit identifier assigned by the FHA to the prior FHA-insured mortgage loan.
srfi_name	Alphanumeric	Borrower Name Last name, first name, and middle initial of the mortgagor.
srfi_addr	Alphanumeric	Address House number, street name
srfi_city	Alphanumeric	City name
srfi_state	Alphanumeric	State
srfi_zip	Alphanumeric	ZIP Code
orig	Numeric	Lender ID FHA's unique 10-digit identifier for the lender originating the new mortgage loan.
serv	Numeric	First five characters of the FHA's unique 10-digit identifier for the servicing lender of the prior mortgage loan.
orig_name	Alphanumeric	Lender Name Name of the lender originating the new mortgage loan.
srfi_mtge	Alphanumeric	Name of the lender that originated the prior mortgage loan.
srfi_clsg2	Numeric	New Closing Month Projected closing month for new case and month following.
srfi_mip2	Numeric	Refund UFMIP Factor (%) Factor used to calculate the upfront mortgage insurance premium (UFMIP) refinance credit amount, based on the Projected Closing Date.
srfi_emip2	Numeric	UFMIP Earned by HUD Dollar amount of upfront mortgage insurance premium (UFMIP) earned by HUD for the prior FHA case, based on the Projected Closing Date.
srfi_uemip2	Numeric	Unearned UFMIP Dollar amount of upfront mortgage insurance premium (UFMIP) that was not earned by HUD for the prior FHA case. Refinance credit amount, based on the Projected Closing Date.
srfi_auth	Numeric	Authorization No. Unique number indicating approval to refinance the prior FHA-insured case as a new FHA case; consists of a five-character authorization number and eight-character date (yyyymmdd).
srfi_expdate	Date	Expiration Date Month, day, and year (YYYYMMDD) the refinance authorization expires.
pre	Alphanumeric	Pre directional (N, W, S, etc.)
type	Alphanumeric	Street suffix (Dr., St., Ave., etc.)
post	Alphanumeric	Post directional (N, W, S, etc.)
unit	Alphanumeric	Apartment information
hse_no	Alphanumeric	Address House number
city	Alphanumeric	City name
state	Alphanumeric	State
zip	Alphanumeric	ZIP Code
blk	Alphanumeric	Builder's block number
plt	Alphanumeric	Builder's plat number
lot	Alphanumeric	Builder's lot number
county	Alphanumeric	County code

Comments or Questions? <SF Administration>

Content current as of 6 July 2004

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