Can You Refinance With a Government Home Loan?

Thinking about refinancing? Here’s why timing matters…” \t•\t“Just bought a house? Don’t refinance yet—here’s why” \t•\t“The refinance waiting period nobody tells you about” Key points: Most lenders require you to wait 6-12 months after your original mortgage before refinancing, though some allow it sooner. This is called the “seasoning period.” Cash-out refinances typically have stricter rules—you might need to wait 6 months minimum, sometimes longer depending on the lender. Rate-and-term refin