How long do I need to wait to refiance after a loan modification.Our mortage increased substantially.

From your question it is easy to assume you already have hit the adjustable stage on the mortgage you received via a loan modification. If you have been making your payments on time, absolutely you should be able to refinance already. Restrictions have lessened considerably over the past few years. Contact a mortgage broker in New York who can qualify you and give you some very good rate/price comparisons. I wish I could do so for you but I strictly provide CA loans in CA.