you can refi at any time before you paid off if your current one doesn't have prepayment penalty. just remember that any refi will restart the whole thing.
【在 e*****0 的大作中提到】 : 请问买房比如现在的合同是30 year fix,可以在20年的时候,refinance吗?even : though 现在的contract是30 years? : 谢谢!