In December 2015, I closed on a mortgage with a higher than ideal interest rate. I would like to refinance as soon as I file my taxes because my income from 2015 will qualify me for a much better rate (self employed). I won't go into the full details, but I assure you that this course of action was my best option.
Anyway, my mortgage broker is telling me that the Occupancy Affidavit prevents me from refinancing for a year, but I don't see how that is possible. It states that I must move in within 60 days, and I must lived here for 12 months. Both are true, even if I refi. If it matters, the state is Colorado.
Also, the Closing Disclosure says "No" for prepayment penalty.