How soon can I refinance after buying a home?

For a rate-and-term refinance you can often refinance right away, though many lenders prefer a six-month seasoning period. FHA and VA streamlines require about 210 days plus six on-time payments.

Cash-out refinances on a primary residence usually require six to twelve months of ownership. If rates have dropped since you bought, we'll confirm your seasoning and whether refinancing now actually saves money after costs.

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