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Question

Wayne Giroux
Newcomer

Wayne Giroux asked 4 months ago in Mortgage

How can I find out if my loan is FHA insured?

I believe there is a web site somewhere that a consumer can use to find out if their loan is FHA insured. Are you aware such a site?

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Steve Heideman
FiLife Contributor
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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!

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Thomas Fisher, CFP®Napfa_small
Expert Partner
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Generally speaking, you would know because you would have applied for an FHA loan. If you're not sure, the easiest way to know would be to call and ask your mortgage lender or servicer (whoever receives your monthly payments).

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