My loan too was delinquent and was bought from National City Mortgage. FHA did however refinance the delinquent amount and place it on the back of the loan. I have for the last year had my payments automaticaly withdrawn from my bank and have missed 1 pmt in a year. I had problems making up the 1 payment yet all other payments were withdrawn without fail. Today I got a letter stating they were stopping my automatic withdrawal due to my loan being delinquent.
To me this is just another way to make it harder to make my payments allowing them to collect additional late fees and hope it will eventually throw me into foreclosure.
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