Click on link below to take yo uto FHA site.   Some of your clients could have a refund they do not know about.  This will make you look very good finding them some "free money".

FHA Homeowners
Fact Sheet

Who may be eligible for an FHA refund or share?

Premium Refund: You may be eligible for a refund of a portion of the insurance premium if you:

	acquired your loan after September 1, 1983
	paid an up-front mortgage insurance premium at closing and
	did not default on your mortgage payments.