How long do I have to wait to re-finance my condo?

I just re-financed 4 months ago. I needed the funds and didn't check the fine print. I ended up with a mortgage payment increased by almost $400 and with less money in the end because they discoved a $5000 early payoff fee at the end of the deal. I know I was an idiot going for the quick fix. My credit is awful as well. I just want to decrease the payments. i have the GI bill-never used it.