No legal waiting period for rate-and-term refinancing. However, many lenders require a six-month "seasoning" period before they will approve a new loan.
How soon can you refinance a mortgage loan after buying a house? how soon after you buy a house can you refinance
While you can technically refinance a conventional mortgage , most homeowners wait at least six months due to lender-specific policies and financial common sense. No legal waiting period for rate-and-term refinancing
If you aren't sure which rules apply to you, check with your current lender or a mortgage broker . While you can technically refinance a conventional mortgage
Just because you can doesn't mean you should . Consider these factors first:
Borrowers are usually required to wait at least 180 days after closing.
You must typically wait 210 days (about 7 months) and have made at least six on-time payments to qualify for a Streamline Refinance.