How long do you have to own a house before refinancing?

If you are not looking for cash out, there is no waiting period. However, the value used in determining your loan to value ratio will be the LOWER of current appraised value or the purchase price.Joe Shamie 877-662-3321 x-102

If you just purchased and are looking to refinance there are a few things to look for. Depending what county you are in you will want to see if a CEMA makes sense for you. This could save you from paying thousands of dollars in New York state tax again in closing costs. Make sure you deal with someone who is experienced with CEMA's as they can be a little tricky depending on the situation. Also, make sure you get the re-issue rate on the title insurance. This will save you on additional closing costs as well. Joe has your question regarding wait period covered. If you have any additional question's feel free to contact me through my profile. Best of luck!

Technically there is no time limit on when you can refinance, but if you want to use Appraised Value or Trying to get Cash out, then other rules apply. Check with a local lender to evaluate your loan to see if there is a benefit. The big thing today is a benefit is required for a Refi.

There are ways to do get cash out right away if thats what you want. look into the heloc.. home equity line of credit market.. then after a year do a tradtional refi.

You can refinance one month after you closed on your last refi. - I say a month so that your last refinance paperwork can transition to your next lender.