Do you have an FHA loan? If so, have you had it for several years? If you answer "yes" to both of those questions, you might just be eligible for a huge refund!  You see, FHA uses and charges a mortgage insurance premium that everyone pays. After your loan to value ratio is below 80% of the value of the home, then they are supposed to refund the over payments back to you. But guess what? They don't - unless you ask for it.  It turns out that FHA is sitting on over 1/2 a BILLION dollars of your money! All you have to do is ask for it!  Find out if you are eligible for a refund and how to ask for YOUR money back!