Investment or home loan?

You will have to move back into the property, have your driver's license reflect the new address and have a utility bill to support that you actually live there... once you do that, you should be able to refinance as your primary.. to be sure, you should contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

when was the house purchased??? how was the loan taken out ?? if you purchased as a primary, and then rented out , you can go back to the home as a primary, if you can document when you were not there being overseas, and if you claimed it on your taxes as a rental or not..

I believe with the info provided above we here at Guardian National Bank may be able to help, could you email or call me to get a detail understanding on exactly what you are looking for?email info@mynewmortgagebank.comoffice 816-786-9188or you can email me a way of contacting you to better serve you.thank you for your time,Owen

Be glad to help you capture the best rate and most reasonable fees. The points others mentioned are factors to consider, however we can map a plan now so you are into the better rates the soonest possible. Give me a call and we can narrow down the details Mark 800-485-1387 Extension 107