At the closing you will sign a document stating that you intend to move into the property within a certain time period (30 to 60 days).
Should circumstances change, you are expected to inform the lender. If you do not, technically the lender can "call" or change the conditions of the loan. I have been in the business for 23 years and until recently had never seen a lender do "owner occupancy audit" resulting in this action taken by the lender. If your circumstances change and the lender believes they have been deceived, you will need to prove your case to their satisfaction.
Please call me or email me if you have any other questions. I