簡述primary residence違規

無論下單買HUD房，還是貸款，primary residence都有優惠。作為投資人，兵不厭詐，占點便宜行嗎？我建議您小心。

先講一下後果：Penalties can be up to a fine of $100,000 and/or 10 years in a federal prison.

罪名："Bank fraud" and "Mortgagor Fraud"

證據：spend time in it, driver's license, car registration, cable providers, insurance company, utilities, credit reports, tax billings, other related public filings, name/address search 多單元住宅，可以出租主居以外單元，甚至可以出租主單元某房間，本人也不必每天住裏麵。但主居單元必須符合主居定義

監管部門： FDIC, Comptroller, CUNA, State Bank Examiners, all do audits. These government agencies have police powers at the state and federal level.

監管方式：政府監管銀行，銀行通過private compliance auditors監管貸款人 銀行不會預先通知貸款人要audition，等你知道結果audition已經結束，有違規定論才會通知你。

警報解除：Your occupancy requirement generally falls off after 12 months, it may also be waived if circumstances beyond your control should arise

信息來源於網絡