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If you are truly living there no reason not to refi as a primary. It will require that you remain there at least 12 months and loan servicers DO check. I've had loans called due that were financed as a primary because the servicer noticed there was a phone line going to the property being billed to someone other than the owner. They will make sure all bills remain in your name or you are at risk of the note being called due. If you are on the up and up and plan on being there 12 months you should have no issues.
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