how long do you have to own a house to refinance

Most lenders require ownership for 12 months. Some will allow shorter times like 6 months

Most lenders will allow one to start the refinance process 12 months and a day after the closing papers for the purchase have been signed.

I would call my current lender as refinancing before 6 months could have a financial impact on that company and the mortgage broker that worked so hard to get you to closing....We service California and offer the best that's out there. Call me Ralph Guertin 954-274-7725 or email at ralph@absolutelowrates.comWe can go thru and crunch the numbers to see the best fit for you...

Typically 6 months but they will use the value of the purchase price or appraised value (which ever is lower) until the 12 month marker.

For FHA, they require 6 months.. for conventional, you can refinance right away if your going to a different lender and there's a "net tangible benefit" to you... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com