You could refinance as soon as six months after your previous mortgage refinance, according to American Financing. It’s definitely an option if you have any regrets from a previous refinancing.

“In reality, you can refinance your mortgage as many times as you want, but many lenders look for a ‘seasoning’ period, or an amount of time in between refinances before they’re comfortable approving another,” Leslie Tayne, founder and head attorney at Tayne Law Group in New York’s Westchester County, told Bankrate.

That being said, it doesn’t necessarily mean you should, due to a number of factors, including costs and penalties.