Primary residence vs. investment property for re-fi

[Anonymous]

Hi All,

I want to re-finance my condo which is the first and technically only piece of property I've ever purchased.  I started renting the condo out a year and a half ago because the GF and I bought a house together (its in her name).  If I were to call my mortgage company (CW/BOFA) would I have to re-fi as an investment property or can I still get away with doing a primary?  From checking on BOFA's website, the rate difference between a primary and investiment property is .75-1% which would be about $100/month for me.  Any advice?

Thanks.

[DallasLoanGuy]

This will be an investment loan..... anything else would be mortgage fraud.

[BrianB_The_Loan_Professor]

+1

which is a felony