Don't pretend to know all the answers, but find a way to get the Right answer....Be Real...GL

Should I just pretend to be a real applicant who wants to move in permanently?

My advice would be to pretend you are looking for that type of space to rent and see what you can find in your area.

In essence pretend you're going to move there and rent... 

For sake of example lets pretend closing costs are not included.

@Muhammad Abdullah to pretend to be an owner occupant and not be is a felony on HUD homes punishable up to 5 years in prison and $250,000 fine.

Pros and cons to both.We like to pretend that we can control what humans and pets live in our properties, but we don't really. 

If you want to pretend they turn it in to a rental and you ask this question in September 2023.

I do it this way just because there are a lot of scammy websites that pretend they're the official site and going through the FTC page eliminates the possibility I'll go to one of those by mistake.Of course, if you're working with a good mortgage person they should already be talking to you about a lot of this stuff, what your score is and how to get it higher, etc.If you can get the free report from each of the bureaus and look it over, and have it in hand when you talk to mortgage people, it can give you a head start talking with them about any issues such as lack of credit or certain accounts that might be impacting you a lot but could be easily paid down or paid off, etc.

Pretend you don't have that money.