– FHA loans can help you to refinance, as can other conventional lenders. The key here is to know when it makes sense to refinancing.
How Soon Can You Refinance Your Mortgage After Buying a Home. – FHA Streamline Refinance. If you have a current FHA loan and want to refinance it with the streamline program to get a lower rate, you’ll have to wait at least 210 days. You’ll also have to prove that you made at least six mortgage payments in that time. Some lenders go as far as making you wait 12 months so that they can see your mortgage.