In this video, I explain the truth behind the 6-payment rule—especially for conventional loans. While FHA and VA loans have official seasoning requirements, conventional loans technically allow you to refinance anytime. So why do lenders push the six-month wait? It comes down to loan officer compensation, clawback clauses, and lender protection against early payoffs. I break down how this impacts borrowers, what’s legal (and what’s not), and how you can refinance smart without falling into costly traps.
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