How soon can you refinance an FHA loan?
FHA Streamline: typically 210 days from your first FHA payment, plus six on-time payments. FHA-to-conventional cash-out: usually 12 months of seasoning. FHA rate-and-term to conventional: often immediate if equity supports it.
What this actually means.
Streamline rules are written to keep borrowers from churning the loan. The seasoning is HUD-set; lenders rarely override. Going from FHA to conventional has its own seasoning rules driven by the conventional side, especially on cash-out and high-LTV refis. Verify timing against current HUD guidance before you assume a date.
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.