I am going through divorce and the last piece is buying my spouse out of the home. I have lived off site since we started the process. I was about to close a loan that would pay off my spouse but the loan stalled as the lender stated I had to have lived there for at least 12 months. The home is paid for, so I would be functionally taking out a first mortgage for this purpose. I have been unable to find anything other than I must occupy the home within 60 days of closing. Does this sound lime. Lender rule, or am I missing something i. The FHA guidelines?