FHA Streamline
Why do I get that escrow money back?
Because it was always your money — your old servicer was just holding it on your behalf.
It's not a bonus, rebate, or refinance savings. It's money you already paid, held in reserve for taxes and insurance on your behalf. Once your old loan is paid off, there's no reason for your old servicer to keep holding it, so it comes back to you.
Want to see how this plays out for your loan?
Run your actual numbers through the calculator — real amortization math, no contact info required.