You must typically wait 210 days (about 7 months) and have made at least six on-time payments to qualify for a Streamline Refinance.

You may hear lenders tell you to wait exactly six months. This is often because of —if you refinance within 180 days, the original loan officer may have to pay back their commission. While this isn't a legal restriction for you, it is why some lenders are hesitant to help you refinance immediately. When Does It Make Sense to Refinance?

Regardless of loan type, most lenders require you to own the home for 6 to 12 months and hold at least 20% equity before you can take cash out. The "6-Month Rule" Explained

No legal waiting period for rate-and-term refinancing. However, many lenders require a six-month "seasoning" period before they will approve a new loan.