RE/MAX Equity Group inc
the standard with fannie/freddie loan products is to wait 90 days before you can initiate the process for a refi (some lenders require 120 days).
Rates are stunning right now, so its not a bad idea to try and get this thing happening in the now. Check out my website for the easy next steps on how to instigate the process.
One of the biggest questions that your lender will have for you is whether you are trying to get cash out - if you are doing a cash out refinance you'll have to wait for 6 to 12 months - even with FHA.