Plaza Home Mortgage Mortgage Complaint

Plaza Home Mortgage Mortgage department,

FHA mortgage Settlement process and costs California

I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is -/-/- ; I have made the - payment on my loan. The MIP asked for in the payoff docs were $530.00 My MIP monthly amount is $270.00 so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding. One month made sense until I looked at the - closing docs for the loan. In it, two months of MIP reserves were collected at closing. Now the entire amount seems unwarranted - in fact I may be owed one month 's worth of the premium. I called the HUD line for clarification and they did say the lender was not to be charging MIP on the interest in arrears. I called my loan servicing company and requested to speak with a supervisor ; was only able to leave a voicemail and that person has yet to return my call. In a separate issue, I 'm being asked to pay one more month of interest " in arrears ''. It is the regular current interest payment on my loan and this seems right but I wanted reassurance from you.