Your LO screwed up and he's too weak to admit it.If your particular lender only has a 90 day seasoning requirement and you purchased it at the end of November, you're just passing the 90 day mark.

You can expect to bring 95% of your Realtor referral base with you when you make a move like this -- good Realtors (who are the only ones you want to work with, anyways) are loyal to the LO, not to the company or branding.But you need to avoid the call center like the plague. 

Who did you get your coaching from on L/O’s?

@Tony Marcelle in order to sell half/part of a property you would have to do a condo conversion, buy both condos and then l/o the condo(s).

The reality is that as a LO it's not really my department, and when you go to drop PMI typically your LO has been out of the picture for several years. 

So I hear and see a-l-o-t of misconceptions. 

And if the person you are working with is female, then there's a chiseled jaw-line for her to look at (realtor if purchase, LO if refi, the "looking hot sells" dynamic is identical, assuming the LO/realtor puts decent production numbers up & is worth them chasing).Escrow/title companies are also the highest unit count and volume services that you will encounter, again by far.

Most of the L-O restrictions only apply to consumer tenant/buyers. 

Lo's derriere (not a joke). 

I work with owner occupants like every other LO; on top of that I work with real estate investors - even though these loan files are often 2-3x as much work - specifically to correction-proof my practice.