How long do I have to own my home before I can do a cash-out refinance in Washington?

Most conventional and FHA cash-out refinance programs require at least 6 months of ownership from the original closing date before you can take cash out. VA cash-out may have similar seasoning requirements. If you recently purchased and your home has appreciated significantly, you may need to wait out the seasoning clock before accessing that equity. Some portfolio and non-QM lenders have shorter or no seasoning requirements — at higher rates.