Refinancing on Primary Residence

[Daniel Kramer]

I've owned my primary residence house for about 4 years. My wife and I are considering a move in the near future. We already have two rentals, and we want to make our current home our 3rd rental.

With interest rates so low, I also considered refinancing our current home first. I know it's obviously mortgage fraud to buy a house as a primary residence but then not actually live in it. But would it also be mortgage fraud to refinance now at a primary residence rate and then move shortly after?

Thanks!