Changing primary residency requirement on a loan

[Sean Keefe]

I bought a condo 6 months ago, when I thought I would stay single.  Things are getting more serious with my girlfriend, and we are talking about possible buying a home in a year – 18 months. I would like to keep the condo and rent it out.  However, there is a part of my mortgage that says I need to use the condo as my primary residency.  I am not sure if I should ask the credit union if they will allow me to rent it out and wave the primary residency, or would my only option being to refinance.  I put 20% down when I got the loan, and have been paying a little extra each month.