How long must I wait to refinance a VA loan?
VA imposes seasoning rules on refinances. IRRRL: typically 210 days from the first payment due date and 6 monthly payments made. Cash-out: similar seasoning. Lender overlays may add to the VA timeline.
What this actually means.
VA's net-tangible-benefit rule and seasoning rules are anti-churning protections — VA doesn't want lenders flipping veterans from one loan to another for fee income without real benefit. The 210-day / 6-payment rule is the floor; the loan must also pass the recoupment test for closing costs. Subject to VA guidelines.
Where this can move.
VA seasoning rules, net-tangible-benefit recoupment, current loan type, equity, credit, rate environment, and IRRRL vs cash-out eligibility can change the answer.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.