Jen,

I agree, you'd most likely have to wait about 6 months to refinance. And yes that will depend on the lender.
If you'd like a referral for a lender I'd be happy to help you find a good lender. I'd recommend interviewing 3 lenders before choosing one to work with in getting a home financed.

Any more questions just ask!

Thanks,

Becky Nay

Typically you will have to wait up to 6 months before a lender will consider a refinance. I have seen some lenders do a refinance in as little as 3 months but it depends on the lender. With all the new guidelines in place on lending I would be suprised if you could refinance any sooner than 6 months but it is a possibility. This is something that you will have to check on with a lender for a definite answer. I would be glad to give some names of some good lenders if you are interested. I hope this will help.