If you can get into a conventional mortgage you should do so despite not getting a refund.
The FHA program remains a great option for low down payment home purchase; however, due to the current high monthly rates on the FHA MI my advice to consumers is to review a comparison of conventional loans with private mortgage insurance versus an FHA streamline as soon as it is feasibly possible. The savings is usually quite substantial.
Also, there are once again options to do a 75% or 80% first mortgage combined with 15% or 10% second to avoid mortgage insurance all together. It is quite simple for a mortgage professional to provide a thorough comparison of all of your refinance options. Just remember, it is not always just about the rate! Consult with a professional who will provide COMPLETE analysis so you can make beneficial decisions for your specific situation.
"You should consult your lender or review your loan documents where it discusses your PMI insurance. That's your best bet! Hope your eligible for a refund!"
They don't need to consult their lender, it's a known fact that FHA mortgages originated after December 8, 2004 do not refund the UFMIP unless doing an FHA to FHA refinance.
It would serve you well to stop answering questions that you don't know the answer to and stop sending consumers on wild goose chases when the correct answer has already been given. If you don't know something, leave it for someone who does please.
FYI here it is from HUD:
"For any FHA-insured loans with a closing date prior to January 1, 2001, and endorsed before December 8, 2004, no refund is due the homeowner after the end of the seventh year of insurance. For any FHA-insured loans closed on or after January 1, 2001 and endorsed before December 8, 2004, no refund is due the homeowner after the fifth year of insurance. For FHA-insured loans endorsed on or after December 8, 2004, no refund is due the homeowner unless they refinanced to a new FHA-insured loan, and no refund is due these homeowners after the third year of insurance."
With 10 % equity you should be able to refinance and have no "Mortgage Insurance".
Be aware that FHA does not prorate interest on a daily basis. The payoff balance will include interest through the end of the month. Therefore with FHA specifically, it is very beneficial to close your refinance at the end of the month (preferably the last day) to avoid paying interest on both loans at the same time.