The "how soon" depends largely on your loan type and your goal for refinancing. Waiting Periods by Loan Type
You must typically wait 210 days (about 7 months) and have made at least six on-time payments to qualify for a Streamline 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.
You may hear lenders tell you to wait exactly six months. This is often because of —if you refinance within 180 days, the original loan officer may have to pay back their commission. While this isn't a legal restriction for you, it is why some lenders are hesitant to help you refinance immediately. When Does It Make Sense to Refinance?
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.
Similar to FHA, you generally need to wait 210 days from your first payment before using the Interest Rate Reduction Refinance Loan (IRRRL).
How soon can you refinance a mortgage loan after buying a house?