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FHA Case Number – What is it?

FHA Case Number is required for every FHA loan. What is it? It is a unique number that is assigned when someone applies for an FHA Loan for either a refinance or a purchase. The number is assigned when the mortgage lender or broker orders the FHA case number through the FHA website called FHA Connection.

The Case Number is assigned to the borrower and the property. The FHA case number can be transferred from one borrower to another but cannot be transferred from the property. For example if you submit a purchase contract to buy property A and you apply for an FHA loan and are assigned an FHA case number if you decide not to buy the property, then you would need to get a new FHA case number when you submit an offer to buy property B.  If someone else wanted to purchase Property A then they would need to use the same case number and have it transferred to them.

The Case Number is good for 6 months and then will be canceled if the loan has not been closed. FHA can choose to change the upfront mortgage insurance and/or the monthly mortgage insurance but the change takes effect on case numbers assigned on or after the date of the annouced change. So for example if FHA annouces an increase in the Monthly Mortgage Insurance to take effect on April 18th then all case numbers assigned before April 18th will still be at the lower rate as long as they close within 6 months.

Delaware FHA Case numbers all start 071. The first three numbers of the FHA case number are state specific.  If you already have a FHA Loan and want to find out what your FHA case number is, you can look on the FHA appraisal that was done when your purchased your home as it is on the top of every page.  You can also look at the top of your mortgage note.  The case number is recorded at the top of the mortgage.  The mortgage is recorded with the county so you can check the recorder of deeds office in New Castle, Kent or Sussex county to get a copy of your mortgage if you can’t find the copy you got at closing.

If you would like to apply for a Delaware FHA loan you can apply by calling 302-703-0727 or you can APPLY ONLINE.

John R. Thomas – Certified Mortgage Planner
Primary Residential Mortgage – NMLS 38783
302-703-0727 DE Office
302-355-3291 Fax
248 E Chestnut Hill Rd
Newark, DE 19713
www.PRMIDelaware.com

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