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Is My Loan FHA

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November 20 2011 - Kensington
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Answers (3)

Profile picture for Courtesy Mortgage
FHA Streamline is popular because it qualifies on the initial appraisal value, which helps in declining markets.

There are other possibilties for non-FHA loans.    Your current loan amounts and property value would be helpful in determining if there was any potential programs available for you.
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November 21 2011
Profile picture for rasbaboo
Thank you. . If it is not FHA, (which it isn't, as far as I know) is it then harder to refinance and at a different  conforming loan amount? I have a First and Second (Equity) totalling $636k in California - Bay Area. 
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November 20 2011
Profile picture for LendingExpert
There are several ways to find this out:
Check your mortgage statement - it should say FHA Loan
Look at your escrow reserves/impound statement - It should say MI being paid to FHA/HUD
You can also check the note that you signed when you took this loan.
Also, if your original loan was at 3.5% it could have been an FHA loan.
And if you remember paying for an Up front Mortgage Insurance Premium - it could be an FHA.

Let me know if you need any help. 
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November 20 2011
 

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Profile picture for Justin Sheftell
QuestionIs My Loan FHA
  • Latest answer by Justin Sheftell
  • November 21 2011
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