If a seller provides 100% financing to a buyer under the stipulation that the buyer obtains funding within a set period of time.
Will a lender, depending on seasoning requirements, fund the home as a refinance or a purchase?
it depends on the lender you are going with. Some have 12 month, 6 month or 0 month seasoning. It would be done as a refinance based upon the original sales price until the seasoning period is up. However some banks will do 100% plus financing so you can also roll in closing costs.