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All Forum Posts by: Ryan Haltom

Ryan Haltom has started 1 posts and replied 5 times.

House Hacking

Post: How Long to Live in a House Hack

Ryan Haltom
Posted
  • Posts 5
  • Votes 1

@Philip Hourihan Thanks so much.

0 Votes
Tyler, Texas
House Hacking

Post: How Long to Live in a House Hack

Ryan Haltom
Posted
  • Posts 5
  • Votes 1

@Anthony Swain Thanks so much.

0 Votes
Tyler, Texas
House Hacking

Post: How Long to Live in a House Hack

Ryan Haltom
Posted
  • Posts 5
  • Votes 1
Quote from @Rick Albert:

That is my understanding as well. It is all about intention. I had a client who refinanced their home and then I helped him buy a new house about 5 minutes away. When the lender brought up the issue, he just said that he needed more backyard space for his kid and it was a non-event.

 @Rick Albert Thanks so much.

0 Votes
Tyler, Texas
House Hacking

Post: How Long to Live in a House Hack

Ryan Haltom
Posted
  • Posts 5
  • Votes 1
Quote from @Andrew Katz:

The stipulation with conventional and FHA loans say you intend to occupy the the house for at least a year. Whether you occupy it or not, you won't be able to qualify for another loan for another year.

You might not end up living there for an entire year because if you move in and you don't like the house, you don't like the neighborhood, or you need to relocate for a job.

If you get the loan and never intended to live there for an entire year, then you are committing mortgage fraud. 

 @Andrew Katz Thank you very much.

0 Votes
Tyler, Texas
House Hacking

Post: How Long to Live in a House Hack

Ryan Haltom
Posted
  • Posts 5
  • Votes 1

Hey Everyone,

I have heard it said on the podcasts before that the reason you are required to live in a house hack for at least a year is because that is how long it would take you to qualify for another mortgage to go buy your next one. My understanding is that there is no federal housing law in place that speaks to this, unless I get an FHA loan potentially. I also understand, though, that this can vary lender to lender. I am considering buying a quadplex as a house hack, but the eventual goal would be to move back into my current primary residence rather than buy another, so the seasoning period for me to get another loan would not apply. Is there a way with some lenders for me to buy a house hack and live in it less than a year and move back into my current primary? I certainly do not want to commit mortgage fraud. Just wondering if anyone has any experience with this. Thanks.

- Ryan Haltom

1 Vote
Tyler, Texas