There is no way around the wait. The seasoning requirement is federal law, so no lender can waive it or shave off the remaining days. The rule: you become eligible at the later of two dates, 210 days after the first payment due date on the loan you are refinancing, and the date you have made six consecutive monthly payments. Both clocks have to be satisfied. The requirement exists to protect veterans from being churned through repeated refinances, which is exactly why nobody can buy you an exception. Since you are close, keep making payments on schedule and let the clock run out. Two things to do in the meantime: - Confirm your exact eligibility date with your loan officer so there is no guessing. - Get staged now. Documents gathered and a quote ready, so you can move the moment you cross the line. This is where a good mortgage advisor earns their keep: having everything positioned so you can capture an improvement quickly if the market offers one. Nobody can promise where rates will be on that date, so the plan is to be ready, then refinance if the numbers make sense when you get there.