To refinance or to not refinance?

[Thomas Wood]

Hi BP community,

This is my first post!  I bought a primary residence (2 homes on one lot) 6 moths ago with 5% down and a 4.1% interest rate.  My loan states I need to live in the home for 1 year and the goal is to buy another primary residence in 6 months with a 5% down payment.  I can refinance now at a 3% interest rate, but this will restart my year.  My question to the community is, would you refinance and restart the 1 year clock or sit tight with the current mortgage, pay a little more, and then purchase another primary residence in 6 months?  There are benefits to both sides and I'm a little torn.  I would save a few hundred dollars a month with the refinance.