Can I refi right after I purchase?
You can refinance 60 days after you close on your purchase with no issues. You may also use the Net Proceeds from the sale to pay down the principal of your current mortgage. You can also reduce your Mortgage Term (Ex. 30 Years to 15 Years) and obtain a desirable rate too. Feel free to reach out to me at any time;...

Is almost $12,000 in loan costs on FHA refi too much?
This will depend on what are included in your Loan Costs. If you would like, I can provide you with a Loan Estimate based on your Refinance Scenario.Garry AguilarHomelend Mortgage908-293-2217gaguilar@homelend.netNMLS #727948