Refinance Waiting Periods

Introduction

Refinance waiting periods (seasoning) require you to have had your loan for a certain time before refinancing. FHA, VA, and conventional have different rules. See FHA Streamline Refinance, VA IRRRL Refinance, and Refinance After Interest Rates Drop.

Frequently Asked Questions

What are refinance waiting periods?

Waiting periods (seasoning) are rules that require you to have had your current loan for a certain time before refinancing. They vary by program and loan type.

What is the FHA streamline waiting period?

FHA streamline typically requires at least 6 months of payments and 210 days from the original closing date. Some lenders may have additional requirements.

What is the VA IRRRL waiting period?

VA IRRRL typically requires at least 6 months of payments. Check current VA guidelines for exact seasoning requirements.

Are there conventional waiting periods?

Conventional loans may have waiting periods for rate-and-term refinance (e.g., 6 months) or cash-out (e.g., 6–12 months from purchase or last refinance). Investor guidelines vary.