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We closed our loan a few weeks ago, and all of our bills that were also consolidated have been paid off! FOr our new loan, we do not pay mortgage insurance with our monthly payment. We have it so we pay ourselves every year or something like that. We also dont have escrow.

We got a check in the mail from the Department of Treasury saying the check is for an unearned portion of our insured mortgage. Either way I am going to call our lender, which I am asusming it is the lender who closed our insurance, or do I call GMAC who is now our ex-lender?