Yes. Occupancy gets classified fresh on every new loan, so if you genuinely live there now, you can refinance into owner-occupied financing and its better pricing. Your original loan was classified as an investment loan based on how you intended to use the property at the time, and that classification stays with that loan. Moving in later doesn't change its terms, and it doesn't obligate you to do anything; you're free to keep the existing loan exactly as it is. If you want financing that reflects your new occupancy, a refinance is how you get it, and owner-occupied loans generally price better than non-owner-occupied ones. The key word is document. The underwriter will want the file to support primary-residence occupancy: your ID and mailing address tied to the property, utility bills, where you file taxes and register to vote, and a loan application certifying the home as your primary residence. When the facts line up, converting from investment to primary is a normal, allowed refinance, even if it's a scenario a given loan officer doesn't see every week. Two cautions. You have to actually occupy the home; certifying primary residence on a property you don't live in is occupancy fraud, so this works only because it's true for you. And the new loan still has to pencil on its own, so run the payoff, rate, and costs before pulling the trigger. If you want to confirm you'd qualify at primary-residence pricing, that's a quick Roadmap conversation.