Avoiding ownership seasoning on a refinance

[Clint G.]

I purchased a few rental houses about six years ago, and want to refinance them to take advantage of these low rates. The deeds are in the name of my LLC now, but if I re-deed the properties in my personal name, I can get a good rate on the mortgages (that's what the broker is telling me.)

Here's the problem: I'm being told I have to wait 6 months after re-deeding before I can refinance. They're calling it an "ownership seasoning" period.

Can anyone provide any insight on this 6 month "ownership seasoning" requirement, and maybe give me some suggestions on how I can avoid it? Is it a federal requirement, or is it just a "good business practice" that bankers adhere to? I'd really, really like to take advantage of these rates, and I'd like to start saving money NOW instead of 6 months from now...

Many thanks.