FHA occupancy and job change

2 Replies


I recently purchased a home using an FHA mortgage and have been living in it for 6 months. I telecommute for my primary job (the one used to secure the loan), but I have a great opportunity for my second job. I teach science to low income children at residential wilderness camps, and I've been invited to help start a new camp. This is my second job, so it's not my primary source of income (not even close, if that matters). Since I telecommute, I could keep my current job while working at the camp as well, so I won't have any trouble making the mortgage payments.

I would LOVE to take this opportunity, but it would involve me moving out of state before my FHA occupancy term was complete. I don't want to rent my house out, my adult son could stay there rent free and go to school. Just to be clear: I'm not trying to "make a buck" off the FHA loan, this was an unexpected opportunity that dropped into my lap.

Bottom line:  Would this be considered mortgage fraud?  As much as I want to help, if I'm going to get into trouble, I'll have to say no.

Thanks in advance,


Free eBook from BiggerPockets!

Ultimate Beginner's Guide Book Cover

Join BiggerPockets and get The Ultimate Beginner's Guide to Real Estate Investing for FREE - read by more than 100,000 people - AND get exclusive real estate investing tips, tricks and techniques delivered straight to your inbox twice weekly!

  • Actionable advice for getting started,
  • Discover the 10 Most Lucrative Real Estate Niches,
  • Learn how to get started with or without money,
  • Explore Real-Life Strategies for Building Wealth,
  • And a LOT more.

We hate spam just as much as you