How Soon Can You Refinance a Mortgage? Here Are the Rules

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
How soon you can refinance a mortgage depends on the type of home loan you have and the type of refinance you're getting.
Some mortgages let you refinance immediately after getting the original loan. Others require a period to elapse before refinancing — what the mortgage business calls "seasoning."
This article outlines the seasoning rules for conventional, FHA, VA, USDA and jumbo loans.
Mortgage loans from our partners

on New American Funding
on New American Funding

on GO Mortgage
GO Mortgage
4.0
NerdWallet rating
4.0
NerdWallet ratingon GO Mortgage
Mortgage loans from our partners

on New American Funding
on New American Funding

on GO Mortgage
GO Mortgage
4.0
NerdWallet rating
4.0
NerdWallet ratingon GO Mortgage
on Veterans United
Veterans United