How soon can you refinance an FHA loan?
For an FHA Streamline, the borrower generally must make at least six payments, six full months must pass after the first payment due date, and at least 210 days must pass from the prior mortgage's closing. Other refinance types have different timing rules.
What this actually means.
The six-payment, six-full-month and 210-day tests are separate. The new FHA case-number timing and payment history must also meet current HUD and lender requirements. An FHA-to-Conventional refinance follows the rules of the new Conventional loan, so verify the exact dates before planning a refinance.
Where this can move.
Current loan type, equity, credit, rate environment, MIP removal economics, and program eligibility (FHA streamline vs conventional refi) can change the answer.
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More FHA questions on Refinance.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.