"underwriter said I committed fraud because I just refinanced a home and said it was my primary"? The underwriter is correct.? It wasn't your primary residence because you didn't live there, so you committed fraud by signing documents in October saying that it was.??
Anytime use changes, you need to notify the insurance company and the refinance company immediately.?
Perhaps you could ask if you could refinance the rental home as an investment home now.? I don't know if it will help, but it doesn't hurt to ask.
Source: http://www.zillow.com/advice-thread/Primary-Home-refinanced-October-Buying-new-home-now-Cant-get-another-primary-loan/475964/
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