My loan officer is doing a closed-end, 12 month, interest-only loan secured by the customer's primary dwelling. The problem is that at application time, this is the customer's primary dwelling. At closing, this will not be the customer's primary dwelling. The primary dwelling is listed "for sale" and the customer will be moving into a long-term care facility in a week. Do we have to consider HPML? Can we treat this as a bridge loan? The customer is planning on paying the loan off with the sell of the home. Your help is appreciated.