Recently I attempted to do an FHA streamlined refi on my home loan. The company doing the refi informed me that the loan couldn't go through because the loan has no FHA mortgage insurance. I verified this with the FHA--the FHA case number listed on my mortgage statement does not exist in the FHA database. I called the loan holder, Bank of America, and they insist the loan DOES have FHA mortgage insurance. I explicitly asked them if the loan has ANY kind of mortgage insurance other than FHA MI, and they said no. To date I have paid over $1500 for something that doesn't exist, and continue to pay $86/month. BOA says they will send me a form to cancel the MI payment, but how can I recover what I've already paid? FHA says they can't/won't document the fact that the MI doesn't exist, and BOA refuses to accept what the FHA says.