Start from what you want to change, then find the refinance that fits
How soon you can refinance
Straight answer
Some refinances can happen soon after closing, but many have waiting periods. Cash-out refinances, FHA and VA streamlines and some conventional programs require a minimum time or number of payments on the current loan. The right wait depends on the loan you have and the goal you choose.
Last reviewed against the primary sources listed below.
Check before you apply
- The date your current loan closed.
- How many payments you have made.
- Whether you want cash out.
People also wonder
Can I refinance right after buying?
Sometimes, but many programs have waiting periods.
Why does cash-out have a longer wait?
Investors require seasoning before equity can be taken out.