How soon can I refi after purchasing a home?

Hi Johnny. All depends on your needs. It's Typically 6 months from Purchase for a cash out refinance.

It depends on what you're trying to do and what value you want to use.

More info needed. First. if you have an FHA loan, and you want to go back to FHA, then you have to make 12 payments, and there has to be at least a 5% in monthly savings to meet the guideline. if you have a conventional loan, and you are looking for a rate and term refinance, then you can do it right away.. there are literally a dozen different examples.. and without the needed info, it's impossible to advise you.. For this reason, you should contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. 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 NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893