Owner occupant need to change to investment urgently.

[Antonio C.]

I recently did a refi on my primary home and on the closing docs it stated that it is going to be owner-occupied for 12 months. It has been a month but the situation changed, my elderly parents need to move in with us and need a bigger home (covid, sickness, financial, other reasons). We found one with a bedroom + full bathroom downstairs and it is perfect for them and for the rest of the family. We want to rent out our current home. 

Has anyone been in this situation before? I'm in underwriting for the new loan and already got asked about it. 

Should I let me refi lender know or is it just worth the risk? 

If I let my lender know, should I expect a letter with a response (might take a long time before I get an actual answer).

In my defense I did call the refi's 800 number and the agent I spoke to only said "as long as you keep paying, you're good" but, this is not making me at ease in case anything (court related) happens in the future.