Lender's veiw on primary residence??

[Peter Kopchik]

I own a 2 family home that I reside in. I recently talked to a loan officer from a local credit union. I was applying for a personal loan which I didn't get approved for. My credit age is too young and my revolving credit utilization is too high. In speaking with him I just inquired about home loans and that I wanted to purchase a single family owner occupied, he was telling me that it wouldn't be considered my primary and i would have to have more money down than a typical low down fha loan. Anybody have insight or experience with this? Im currently working harder on lowering my utilization %.