I literally just went through this process last year. My wife is a doctor and signed a job contract 1 year out. 9 months before her start date, we stumbled on

I literally just went through this process last year. My wife is a doctor and signed a job contract 1 year out. 9 months before her start date, we stumbled on the perfect house and put an offer in. This was 1 state over. As part of the process, we had to demonstrate that the new house would be my primary residence, that we would be selling the old house when my wife’s old contract end, and that my wife actually intended to move to the new house full time. This process required an internal exception review and risk mitigation above the banks normal process (the old house was with them so we knew their mortgage process). It took a lot of time with them to convince them that we were not trying to purchase a second, vacation home - we simply bought early. If we did not sell the old house, they were going to force us to refinance as a second home or investment home. My understanding is the situation changed the federal government’s opinion of our risk and, in turn, our mortgage’a qualification for federal mortgage programs (which our bank uses to back the mortgages). If an audit occurred, the bank had to demonstrate they did not provide me with two primary residence mortgages.