If you do not have any of these and are still unsure, here are some questions that may indicate whether or not you have an FHA loan.
If you answer yes to the following, it is likely that you have an FHA Loan and may benefit from the simple FHA Streamline Refinance.
* Did you put around 3% down when you bought your home?
* Did you pay upfront mortgage insurance in addition to regular closing costs?
* Do you pay PMI (periodic mortgage insurance) (FHA calls it MIP - mortgage insurance premium) in your monthly payment?
How to Verify You Have an FHA Loan
While every lender may be different, here are some tips for finding your FHA Case Number. This verifies that you have an FHA loan. The FHA Case Number is typically a 10-digit number, but may be up to 13 digits.
On your mortgage statement:Your mortgage statement usually shows the breakdown of the escrow account and the next estimated payment. Typically, the FHA Case Number can be found there.
On your previous loan closing note:Typically located in the upper right corner of the note. On your previous appraisal:Typically found on the cover page, always listed in the upper margin of the first page of the appraisal report.