how soon can you refinance mortgage

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 · Refinancing Your construction loan. However, one drawback to this kind of loan is that it locks you in with your construction lender. That is, you don’t know what mortgage rates you’ll be offered when it’s time to convert your loan to the permanent phase until the construction is complete. With construction phases taking as long as 18 months to complete, that’s a lot of uncertainty.

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"If you can shave one-half to three-quarters of a percentage point off your mortgage loan by refinancing, you should look into it," says Greg McBride, CFA, chief financial analyst for Bankrate.

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As a homeowner you want the best terms for your mortgage loan; this means looking out for opportunities to refinance. But, what do you do.

There are many costs and factors to consider when refinancing a house. Learn more about how to determine if it is the right time to refinance your mortgage.

Consider the following scenario: If you can recapture the costs of the refinance in under two years, and you don’t plan to sell for five years, you’re three years ahead, and the rewards are.

How soon can I refinance an FHA mortgage? – Lender411.com – You can refinance the other person off the loan as long as you can show proof of 12 full months mortgage payments being made by you. The 12 months payments must have been made from an account that is not joint with the other borrower.

Cash-out refinances on conventional loans require a seasoning period of six months and the loan-to-value ratio must be 70%.

You can refinance your mortgage as many times as it makes financial sense. If you’re cashing out, you may have to wait six months between refis.

FHA Streamline refinances require you to have made at least six monthly payments, and at least 210 days must have passed since the current mortgage closed. FHA cash-out refinances require at least.

June 27, 2017 – "How soon can I refinance an FHA loan?" is a common question, but unfortunately the answer depends on several variables including the type of FHA refinancing you seek and how long you have owned the property to be refinanced. There are several fha refinance loan options.