Refinancing "Resets the Clock" On Occupancy Requirement?

[Kyle Moore]

I refinanced my primary residence 2 months ago to take advantage of the great rates right now. I went from 4.875% to 3.600% and saving almost 300 a month.

I just went through my loan documents from the refi and found that the occupancy requirement is the standard 12 months. Prior to the refinance, I had been living in the house for a little over a year.

Is the new loan really going to require me to stay in this house an extra 10 months? Am I in deep trouble if I move to a new primary residence and the lender "finds out"? I am almost regretting the decision to refinance now because it seems that I am stuck here for another year!