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It depends on when your FHA case number was endorsed. You may be eligible for a FHA streamline at a lower monthly MI rate. I would be more than happy to help you. [Content removed due to spam. Please refer to our Good Neighbor Policy for more information.]
I agree with the other Zillow members. I would shop that rate out with another company because that does seem high.
When in 2009 did you purchase your home? Do you know if your FHA case number was endorsded prior to June 2009? If so you are eligable for a reduced MI FHA streamline loan. Conventional 5.25% rate seems high. I would post a loan request on Zillow and see what other lenders can quote you too.
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For Sale: $35,000
For Sale: $51,500
For Sale: $24,900