There are people who would just take the easy way out and just not say anything and hope their mortgage lender never finds out, but I commend you for being honest and upfront. Your current lender/mortgage servicer would be the primary party who would be concerned if you moved out of your home before you've lived there for 12 months. Situations where a spouse/borrower on the loan needs to leave the home aren't uncommon (job relocation, activated for military duty, domestic abuse, divorce), and common sense says it would be proper to discuss with them what options are available to you. You may be asked to provide documentation, such as the court signed divorce decree.
Do your documents say that "borrowers" or just "a borrower" needs to live in the home for 12 months? I am not sure what type of loan you refinanced into, but for example FHA loans just require that "a" borrower (not all borrowers) must occupy the property within 60 days of signing documents & continued occupancy for 1 year. If your document had similar verbiage, and you are both on the loan, then it could be possible she can remain in the property and not violate that clause. If you were the only one on the mortgage, and she is just on title, then you may have a legal challenge if you move out of the home prior to 12 months even in the situation of divorce, since you are the only person on the loan. I have also seen owner occupancy affidavits refer to "all borrowers", so if it says "[all] borrowers" are to remain in the home for 12 months, then I would be looking to get permission from my mortgage lender.
Shane Milne | Lending in all 50 states | NMLS #81195