I'm assuming you have a conventional loan, so 12 months seasoning period is required, but the bigger question is has your property increased in value by 5%?? and does it make sense to pay 3000 to 4000 to refinance only to pull out 5%?? you might be better off applying for a HELOC, Home Equity Line of Credit... you can get access to cash immediately with no seasoning required. Or if you just do a Rate and Term refinance to get your rate down to 4%, or shorten your term, and after you close, get a HELOC, you will accomplish your goal. However you will still have to wait the 6 months. WilliamAcres.com

Most likely, you will have to wait 7 full months from purchase date to apply for a cashout refinance. If this is your primary residence, you'll be capped at 80% of the appraised value. Aaron Brown-Flagstar Bank480-538-0611 Ext: 226

Good Morning Margar__...Before you proceed with this refinance, let us look at your:1--Mortgage Statement...2--Mortgage Note...Once we receive that we will review your Condo community to determine a probable value of your unit...Any questions or concerns, please contact us...Thank you RonMoney@RonWohlfarth.comwww.RonWohlfarth.com