How long before I can refinance after securing a mortgage?

Depends on a few things...is there a pre-payment penalty or not? can you re-qualify on your own? Aside from the PPP there isn't really anything that prevents you from refinancing so far as the mortgage agreement itself goes.

For the most part, only FHA allows co-borrowers, so I'm assuming your loan is FHA.. If it is, you have to wait till you have made 12 monthly payments on your own. The lender will ask for 12 canceled checks or 12 monthly bank statements showing the payment coming out of YOUR FUNDS ONLY!!... If you have a shared account with the cosigner, then you will need to go get your own account, in your own name.. And of course the payment will have to be made on time.. You might be required to provide tax returns and pay stubs, but you won't need an appraisal. Keep in mind that cosigners don't help those with bad credit, it helps those with no credit or insufficient income and/or high debt to income ratios.. To qualify on your own, you will need to make enough money to service the debt within the industry standards for DTI ratios. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Depends on loan-to-value, and whether you qualify by yourself.I can be reached at 443-829-2210 if you would like details.Scott

If you are not taking cash out there is no waiting time.