In Mortgagee Letter 2011-10 (ML 2011-10) issued February 14, 2011, the FHA announced a 25 basis points (bps) increase in the annual mortgage insurance premiums effective for case numbers assigned on or after April 18, 2011. There will be no changes in the upfront mortgage insurance premium. The annual MIP increase applies to all mortgages insured under FHA’s Single Family Mortgage Insurance Programs except: 1. Title I 2. Home Equity Conversion Mortgages (HECM) 3. HOPE for Homeowners (H4H) 4. Section 247 (Hawaiian Homelands) 5. Section 248 (Indian Reservations) 6. Section 223(e) (Declining Neighborhoods), and 7. Section 238(c) (Military Impact areas in Georgia and New York).