You may be owed a federal mortgage refund you never knew existed.

HUD is holding unclaimed FHA mortgage insurance refunds for hundreds of thousands of former homeowners. Most have no idea.

Check If You Have a Refund →

Background

What’s going on?

When you took out an FHA-insured mortgage, you paid an upfront mortgage insurance premium. If you sold or refinanced that home within seven years, HUD owes you back the unused portion of that premium.

Billions of dollars sit unclaimed in HUD’s system. The problem is simple: HUD mails refund paperwork to the address on the original mortgage — the home you sold. Most people never see it, never know to ask, and the money just sits there.

JR Hood is a HUD-authorized Third Party Tracer. We search HUD’s public database, locate former homeowners using current records, and help them collect what’s already theirs.

Process

Three steps. Zero upfront cost.

We find it

We search HUD’s public database for unclaimed refunds and locate you using current records.

We file it

As your authorized Third Party Tracer, we handle the HUD paperwork and follow-ups on your behalf.

You get paid

The U.S. Treasury sends the check directly to you. Our fee comes only after you collect.

FAQ

Common questions

Yes. HUD runs an official Third Party Tracer program specifically for this purpose. JR Hood operates under that program. You can verify any refund yourself for free at entp.hud.gov/dsrs/refunds/ by searching your last name — no account required.

HUD sends refund paperwork to the address on the original mortgage — a home you no longer live in. Most people never see it. There is no phone call, no second notice, and no expiration date on the funds.

No. Our fee is a percentage of the refund you actually receive. If nothing is collected, you owe nothing. There are no upfront costs, no retainers, and no hidden charges.

25% of the refund amount — you keep the other 75%. All fees are fully disclosed in a written agreement before we take a single action on your behalf. The motto is “one for me, three for you” — you always get the bigger share.

Absolutely — and we encourage you to try. You are fully entitled to claim your refund directly through HUD at no cost by visiting entp.hud.gov/dsrs/refunds/. JR Hood is for people who would rather have someone handle the paperwork, follow-ups, and process navigation so their money arrives with zero effort on their part.

You are absolutely entitled to claim this refund on your own through HUD directly — for free. JR Hood exists for those who would rather have someone handle the paperwork, follow-ups, and process navigation so their money arrives with zero effort on their part. A finder’s fee agreement, clearly disclosing our fee and your rights, is signed before we take a single action on your behalf.