Owner occupy potentially under 1 year, mortgage fraud?

[Ian Gilligan]

Hi all, 

I'm presently living in CA, considering buying in TX to work remote, and house hack. Only way I can make it work is if I put 5-10% down, which I know you can only do if it's your primary residence. Question is, if I get called back to the office/CA before year 1 of occupancy (which is highly likely) am I in danger of mortgage fraud? 

Thanks a million!

[Sarah Brown]

It only has to be your intent to stay there for one year.  If you try to apply for another mortgage within a year, then yes you will likely flagged for mortgage fraud, but not just moving.