Refinancing after owning property 2 months.?

I purchased a 2 unit building in Aug. 2006. The purchase price was 379000.00. I had to do a 80/20. One loan for 303200.00 w/ a int. rate of 9.25 and the other for 74000.00. w/ int. rate of 12.25. At the time i didn't know and didn't care cause i was happy to get a building. My middle score was 623 at the time and my credit is growing. In 3-6 months my score should be around 660+. Can I get one loan with a lower interest rate? What can I do to lower my payment. Especially the second loan cause the interest rate is too high and i would like a lower payment. Is it to soon for me to refinance or consolidate the both loans into one. How long do I have to wait.