
Cash-Out
Delayed Financing Six-Month Rule: When the Clock Starts (2026)
The delayed financing six-month rule gives cash buyers one window to refinance. Learn how the clock starts, how to measure it, and what to do if you miss.
Loan types

The delayed financing six-month rule gives cash buyers one window to refinance. Learn how the clock starts, how to measure it, and what to do if you miss.

Yes, you can cash-out refinance a home you bought with cash before the standard six-month waiting period ends. Here's how the exception works.