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How often can you refinance a home loan?

How often can you refinance a home loan?

Technically there are no limits to how often you can refinance your loan, and it's usually a good idea to keep an eye on your rate and see if you can get a better deal. 

However, some lenders or loans may have 'cooldown periods', meaning you have to wait for a certain period before refinancing. Another thing to keep in mind is that there may be temporary impacts to your credit score, and fees and costs associated with refinancing.

A good rule of thumb to keep in mind is that as long as the costs of refinancing aren't outweighing the benefits, you can refinance as often as you need. 

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