Is FHA mortgage insurance permanent on a Washington FHA loan?

For FHA loans originated after June 2013 with less than 10% down, mortgage insurance premiums (MIP) last for the life of the loan — you can't cancel them. The only way to remove FHA MIP is to refinance into a conventional loan once you have at least 20% equity. If you put 10% or more down on your FHA loan, MIP drops after 11 years. This is a key reason to revisit refinancing once your home value increases.