Call your current servicer on the loan, the person you send your bill to each day. They will be able to tell you backs your loan. Some things you could look for see if it is an FHA loan: Check your original loan paperwork, did you pay a 1.5% funding fee. This would have been a fee added to the loan amount, to bring you 1.5% over the amount of that actual loan. You will also be paying a monthly mortgage insurance premium. Although it is possible to be paying a monthly MI payment without being FHA as well, so look for that funding fee and or call your current servicer!