When can I refinance mortgage after ch7?

[noswttea4u]

I moved into a new career, took a 50% pay cut, and that led to marital problems and my wife and I split. That was what led to my ch7 in 12/17. Discharged 3/18.

Now, I'm back in my old career making 3x what I was and we're doing well.

My question is:
We have a FHA mortgage from 2015 with lifetime MIP. We're now at about 77% LTV and I'd like to refinance on conventional so we don't have PMI/MIP.
Would it be possible for us to refinance with both names or is it too soon? All 3 of her FICOs are above 760, unfortunately her DTI is a little too high to qualify on her own.
My FICO 8s are 701 eq, 688 ex, 619 TU(credit file split, work in progress).

Thanks for the help.

[gdale6]

FHA requires 2 year wait but I do not think a refi into a conventional has such a wait, if your income and scores support it I think you are okay.

[Kasuito39]

FHA 2 years wait
Conventional 4 years wait.

May be done earlier if you have extenuating circumstances which you will need to discuss and get approved by your lender.