ilvagnoli Holdings LLC
Unclaimed Mortgage Refund Recovery Services

                             Dear Homeowner, ​​If you received our notice you are                                                                     confirmed and entitled to an  FHA/HUD                                                                            Mortgage Insurance Premium (MIP) Refund
                                                 You might not be aware off​

                                                                Rest Assured, we will NOT ask you for:

                                                                 ​  ....Your Credit Card number, or

                                                                                                                                                                                                                                                                                                                                                                                                                           .....Your Driver's License, or.....                                      Your Social Security number, or                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                .....Any advance or up front payment
                                                                  ​You risk absolutely, positively nothing

A scam is a fraudulent business scheme; most usually requiring an up front or advance payment, a deliberate swindle.FHA/HUD Refund is a 100% legitimate refund, it is for real and is most definitely not a scam. The refund process will put money back into your pocket, not take it out. Please review carefully and absorb the information provided for you within this web site regarding your FHA/HUD Mortgage Insurance Premium Refund. The information presented here is to give you a better understanding as to why you are already qualified and entitled to get your money back.

The reason you are entitled to an FHA/HUD Mortgage Insurance Premium (MIP) refund is so simple and logical and it makes perfect sense.

These are 100% legitimate and guaranteed FHA/HUD refunds to homeowners who own or previously owned a property with an FHA mortgage which was later refinanced or sold. As a result of that refinance or sale, the mortgage insurance for the old mortgage was no longer needed and was cancelled. Consequently, you are entitled to be paid back the pre-paid but unused portion of that mortgage insurance premium.

There are currently hundreds of thousands of unclaimed FHA/HUD Mortgage Insurance Premium (MIP) refunds totaling millions and millions of dollars that may not ever be claimed by the rightful recipients because homeowners simply don't know about them. Their refunds will remain in the government's refund trust account unclaimed and will ultimately be lost to the homeowners.

In March of 1986, the General Services Administration (GSA), ordered FHA/HUD to disburse to homeowners the monies that were accumulating in this account (monies rightfully belong to homeowners). To assist with the expediency of the distribution of these unclaimed refunds, a method was devised by FHA which allows independent refund processors (like SILVAGNOLI HOLDINGS LLC for example), or third party tracers, to locate, contact, inform and assist homeowners with the recovery of their refunds. Through the efforts of independent processors, many more homeowners have received and will continue to receive their refunds. Our services are vital to homeowners in order to make them aware of their refunds and increase the numbers of refund disbursements to homeowners.

Your name will remain on the published list of rightful recipients until your refund is claimed. Therefore, you will most likely continue to receive notices of your refund entitlement from various refund processors, individuals or companies until you take action to get your money back at which time your name will then be removed from the list of homeowners who are entitled to refunds.

Consequently, if you receive a notice informing you that you have an FHA/HUD Mortgage Insurance Premium (MIP) refund available, rest assured that this refund is 100% legitimate and that you can and will receive your refund check. FHA/HUD refunds are not a scam. Again, the refund is not automatically sent to you - a claim for your refund must be filed.​​


​​      Ph: 407-710-8721                                                 Copyright 2012 Silvagnoli Holdings LLC. All rights reserved.                         Web Hosting by Webstarts

           Proudly Serving Central Florida
Why and how you became entitled to an FHA/HUD Mortgage Insurance Premium (MIP) refund. 
​When you purchased your property, you had an FHA mortgage. In order to protect the government in case of default on the loan, at the time of closing you were required to pay a substantial up front premium in the closing costs for mortgage insurance (MIP) for the entire term of your loan i.e. 15 or 30 years. You paid up front approximately 1.50% of the purchase price for the mortgage insurance and then approximately .05% for mortgage insurance each month in your mortgage payment. Your HUD Closing Settlement will confirm your up front payment of the FHA Mortgage Insurance Premium (MIP).

​When you later refinanced or sold the property, the previous mortgage was paid off by the refinance or new owner and the mortgage insurance was no longer needed and was therefore canceled. As a result, you are entitled to a refund of the pre-paid but unused portion of the FHA/HUD Mortgage Insurance Premium (MIP). It's the same scenario as when a pre-paid homeowners insurance policy or a pre-paid automobile insurance policy is canceled before the end of the term--a refund for the unused portion of the premium is paid back to you. It's that simple and you will see that it makes perfect sense and that this rule applies to your mortgage insurance policy as well.
You may ask since you are entitled to a refund, why is it not automatically sent to you?
Keeping addresses current for millions of homeowners would be an almost impossible task as FHA/HUD simply is not staffed for it. Thus, the refund check is not automatically sent to you.  

​​A claim for the refund must be filed. For a two-year period after your refund becomes available to you (the Redemption Date), notices are sent by FHA/HUD to the address on record and very often, unfortunately, never reach the homeowner. You may have moved and did not receive, or you may simply have overlooked the letter or just opted to ignore it. After a two-year period, if the funds are not claimed by the homeowner, the refund is deposited into a government unclaimed refund trust account (which does not earn interest for the homeowner), and the refund information including the homeowner's name, address and refund amount is published in the public domain. 

​​of very little government publicity regarding FHA/HUD MIP refunds, most homeowners who are due Mortgage Insurance Premium (MIP) refunds remain unaware of that fact and their money remains unclaimed. In many cases, the refund remains unpaid simply due to a lack of understanding by homeowner that this is a 100% legitimate refund and that a refund can indeed be received, if claimed. It is often viewed as a possible scam or that "it is too good to be true". FHA/HUD MIP refunds are most definitely not a scam. Making you aware of your MIP refund rights is the purpose of this website.

​​Good things do still happen, so your notice of your refund eligibility is indeed positively true and should be taken seriously. Do not disregard this important notice and don't toss your cash in the trash. For more questions go to our FAQ tab or give us a call.

Who we are & what we do to help you recover your unclaimed FHA/HUD 
​(MIP) refund.
Silvagnoli Holdings LLC is a 100% legal, legitimate and bona fide refund processing business, dedicated to locating, contacting and informing as many homeowners as possible that you are already qualified and are entitled to receive your FHA/HUD Mortgage Insurance Premium (MIP) Refund. Our mission is to see that more of the millions of dollars remaining in the government's MIP refund trust account is returned to you, the homeowner, rather than remaining in that account unclaimed. The receipt of these unexpected funds is a blessing to many who are financially burdened.

​Can you use some extra cash? It is yours - it just needs to be claimed. Our services are offered to assist you, the homeowner, with the recovery of your FHA/HUD MIP refund. We make it as easy as possible for you to claim your money with little effort on your part. We do the leg work, handle the paperwork and provide you with the submission package to request your refund check. You simply review, sign, seal and submit. SHLLC is a small business located in Orlando, FL and serves the entire State of Florida.  SHLLC has operated successfully since January 2011 and has been instrumental in putting hundreds of thousands of dollars back into the pockets of deserving Orlando homeowners like you.

The Owner, Manager and Process of REFUND RECOVERY SERVICE is a Rafael Silvagnoli,  a previous mortgage broker who is well qualified to process refunds in behalf of deserving homeowners, like you.No up front fee is required, as opposed to other processors who require advance payment for services.
Our nominal Processing fee for our services rendered is due only after your refund check has been approved, issued and received in your mail box, so our services are FREE until you have received your refund check. Other processors charge up to 30% and require you to do most of the work. ​We are personally involved in the refund process from point of beginning until the goal has been achieved and you have received your refund check.

​So Good Things Do Still Happen! Since you have received notice of your rightful FHA/HUD Mortgage Insurance Premium (MIP) refund, have faith and know that this is a 100% legal, legitimate and guaranteed refund. Accept as fact the good news informing you that you are entitled to an FHA/HUD MIP refund! You are strongly urged to TAKE ACTION NOW and get your money back.

​Our resource is a reputable national government database system and your refund entitlement has been verified.We are available to assist you and to assure your receipt of your FHA/HUD Mortgage Insurance Premium Refund.
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What We Will Not Do...