How long should I wait before refinancing a home?
While there's no hard and fast answer to this question that will suit everybody, as a general rule - if you're looking to refinance to save money over the life of your loan, you should wait until the benefits outweigh the costs.
For example, if you're currently on a fixed interest rate, and refinancing will incur break costs that you're just not willing to pay, it may be worthwhile waiting until you're able to switch.