How Soon After You Buy A House Can You Refinance May 2026

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.

The "how soon" depends largely on your loan type and your goal for refinancing. Waiting Periods by Loan Type how soon after you buy a house can you refinance

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 , most homeowners wait at least six months due to lender-specific policies and financial common sense. Borrowers are usually required to wait at least

Just because you can doesn't mean you should . Consider these factors first:

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. Waiting Periods by Loan Type If you aren't

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?