If you have an FHA loan, you have an FHA case number. Typically, you don’t need the number until you refinance or if you owed a refund for mortgage insurance premiums paid. Knowing how to find the number can help you streamline either process.
Look at Your Paperwork
When you closed on your FHA loan, you received closing paperwork. On that paperwork is your FHA case number. You’ll typically find it on the HUD Closing Statement (now called the Closing Disclose) or the mortgage deed. Sometimes you can also find it on the promissory note. Looking through your closing documents should reveal the number on at least one of these documents.
Your FHA appraisal will also contain your FHA case number. If you still have a copy of it, you can easily locate the number at the top of the report.
If you don’t have the paperwork, you can contact your lender or closing agent for the information.
Using HUD’s Website
If you think you’re owed a refund for mortgage insurance premiums paid, you’ll need to use HUD’s website. Do the following:
- Visit https://entp.hud.gov/dsrs/refunds/
- Enter your last name
- Enter your first initial if you have a common last name
- Hit search
If you have a loan in the system, its information will show up here. The number all the way to the right is your case number. Write it down because you’ll need it when you try to claim your refund.
Other Reasons You Need the FHA Case Number
If you use the FHA streamline refinance process, you’ll need your FHA case number. Your new lender needs the number to determine if you qualify for an FHA upfront MIP refund. Borrowers that took out the original FHA loan less than 3 years ago, may be eligible for a partial refund of the insurance premiums paid up front. The case number gives the lender the information needed to determine the refund. This affects how much money you need to close on the loan, so it’s important information to have.
If you paid for an appraisal, but then backed out of the loan, the seller may need your case number. The FHA requires that the appraisal stay with the property for 120 days. If a different buyer comes in and uses FHA financing, the lender must use the existing appraisal.
Knowing your FHA case number can come in handy. You don’t need to memorize the number, but keeping careful record of it could benefit you in the future. At the very least, keep a copy of your mortgage paperwork. If you don’t have it, know that your current lender or the lender that will refinance your loan can look it up for you with your basic identifying information.