If you're looking to refinance there is no waiting period, there must be a benefit to your refinance. Lenders may have their own requirements. This means the lender may require that you wait a specific amount of time before refinancing even though VA does not have a waiting period. We work with many lenders that do not have a waiting period.
It really depends on what you mean when you say "change". If you're looking to get a lower rate and/or payment... I know lots of local Veteran advocates who are specifically trained to help you (and not the "online dudes") that you should sit down with to review exactly what you may need. #TYFYS
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