I have received the completed contract/agreement including the necessary signature(s) desiring to have the reason for this unclaimed money made known to you, and stating you will pay the required $_________ Processing Fee within five (5) days after you receive your $_________ unclaimed government check.

This refund check that is due you is a result of the HUD/FHA Mortgage Insurance Program. Refunds are due back to people on insurance policies that they paid to HUD/FHA while they were being issued a mortgage, if they meet the requirements.

The Department of Housing and Urban Development (HUD) will issue a refund check for the money that was paid into these insurance policies to the people who did not default on any mortgage payments during the life of the loan. An attempt is made by HUD to contact the refund recipient(s) regarding their unclaimed refund for two (2) years.

Included with this letter is the Tracer Found Case form. The first part of the Tracer Found Case form is my information, the second part is your updated information, the third part is the information regarding the property where this HUD/FHA insured mortgage was paid off. The areas on the Tracer Found Case form labeled ''Date Title Acquired'', ''Date Property Sold If Applicable'' and ''Date Mortgage Was Paid Off'' can be found out by contacting your lender of that mortgage. If you don't remember who the lender was, HUD can tell you.

About two (2) weeks after the the completed Tracer Found Case form is sent in, you will receive a form from HUD called a ''Notice of Distributive Shares or Premium Refund''. HUD will need proof that you either own or once owned the property and you will need to send them a copy of your proof of ownership for that home (such as a mortgage note paid in full, deed of tust, etc.) along with the completed ''Notice of Distributive Shares or Premium Refund'' form, back to HUD.

Approximately 90 to 120 days after you send in your completed ''Notice of Distributive Shares or Premium Refund'' form with a copy of proof of ownership, you will receive your refund check. A good idea is to ask for a copy of the proof of ownership document from that lender while you are obtaining the ''Date Title Acquired'', ''Date Property Sold If Applicable'' and ''Date Mortgage Was Paid Off'' information for the Tracer Found Case form.

In cases where two (2) people are shown as refund recipients, both signatures will be required at all times. The only exceptions are as follows: When one recipient had exclusive rights to the property at the time it was sold. If this is the case, then the proper court documents also need to be sent in along with the ''Notice of Distributive Shares or Premium Refund'' form. And, if one of the recipients is deceased, a copy of the death certificate will also have to be sent to HUD along with the ''Notice of Distributive Shares or Premium Refund'' form.

HUD Contact Info:

Department of Housing and Urban Development
Disbursements and Customer Services Branch
P.O. Box 44372
Washington, D.C. 20026-4372

Phone: (800) 697-6967, 8:30 a.m. to 5:00 p.m. Eastern Standard Time, Monday through Friday.


Even though the rest of this process involves yourself, HUD and the lender of that mortgage, please feel free to contact me if you have any questions.

It has been my privilege to have been able to help you regarding this matter.

Sincerely,