Must Refi, Not a Rental, I Live out of StateI currently own a home in Omaha that I bought in 2007, but I've recently moved to WA state. Only after moving across the country and giving my lender my updated mailing address, did I learn that, according to my mortgage terms, my house MUST be owner occupied. The only way to keep the US Bank dogs at bay has been to have my house on the market. After 11 months and zero offers, the only other option I have seems to be a refi, so I can own in Omaha, yet live elsewhere.Over the phone, an employee from the US Bank mortgage dept. informed me that "almost all" conventional mortgages require owner occupancy and that my only other options were to get second home mortgage or a rental mortgage. I don't want to get a rental mortgage, as I plan on moving back in a few years. Additionally, I wonder if someone who would still only have one mortgage (I rent in my new city) could actually qualify for something referred to as a second home mortgage, as I don't know it's the word "home" or the word "mortgage" that the second refers to.Value of home 140K, loan remainder 106,743, currently at 6.04%, good credit.Are there conventional mortgages that exist for me and my situation? I'm stumped and not sure if I want to go to shopping lender after lender, potentially hurting my credit, if I'm not even sure of my options. Any advice is much appreciated.September 02 2010 - Omaha00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.