See the definitions of purchase and refinance:
A home purchase loan is any loan secured by and made for the purpose of purchasing a dwelling.
A refinancing is any dwelling-secured loan that replaces and satisfies another dwelling-secured loan to the same borrower. For reporting purposes, both the existing obligation and the new obligation must be secured by liens on dwellings.
Last edited by NSFW; 07/16/15 02:21 PM. Reason: Misread post
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It is better to act cautiously beforehand than to suffer afterward.
The answers I give are my opinions. Not legal advice.