I) At the time of loan application: a) the borrower must be current, b) must have made at least 6 full months of payments since the first payment date and, c) at least 210 days must have passed from the closing date of the mortgage being refinanced. (kentuckyfhaloan.wordpress.com)
The first payment date should always be after the traded on date. (help.sharesight.com)
Qualified borrowers may choose a first payment date up to 60 days from the date the auto loan is finalized. (rbfcu.org)