Primary residence loan rule for occupancy?

[Josh Wickboldt]

I am working with a lender and trying to pull some cash out of my primary home, which is a triplex that I house hack. I am deciding between cash out refinance and a HELOC. One lender tells my for their cash out refinance I do not need to live in a year after refinancing but another lender believes that person is mistaken because it's a primary residency loan. Just trying to get clarification if that rule is applied to all primary loans or just loans that go through Frannie Mae and Freddie Mac.