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What should an this school-area borrower do if they may relocate after closing?

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Bowling Green State University

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Northern Arizona University

Disclose the expected move, intended occupancy and any possible rental conversion to the lender. Fannie Mae distinguishes occupancy categories by property use, and a later change can affect compliance with the loan documents; obtain written lender guidance about the actual proposed arrangement before converting a residence to a rental. The cited CFPB Loan Estimate page supports comparing estimates but does not establish a holding-period or exit-strategy formula. Any sale-or-rent decision needs separate property- and loan-specific review.

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