I refi'd 3 months after purchase. I got my initial loan from cap1 at 13.45% (I like their system, thumbs up). Three months later, I refi'd with a credit union at 7.1%. I knocked 12 months off of the loan and $10 off of the payment double score! I had rolled a warantee into the loan so it was outside of their limits for lending so I had to put $600 down in order to refi it. Now the only problem with this whole scenario is that it happened right before the trashing of SUV values. You will have a very difficult time refinancing your trailblazer without putting down a large downpayment, because SUVs values have fallen HARD (If I tried to refi today (7 mos after the my last refi, I would have to put about 3k down). It doesnt hurt to go to your CU, though, and find out how much you would have to put down.
