That was in mid to late 2018. I did some snooping in pigpiggo; apparently he's been trying to refinance for years because he knows he has equity in it and wants it, and he has mentioned it sporadically since 2016. In May of 2019 he was playing Minecraft (visually indistinguishable from this year's gameplay) and describing his plans for the future: in 2 years he was hoping to pay off two loans that were costing $1,000+ per month and finally get his refi.Wasn't Phil already denied a re-fi around December? When he was desperately begging his viewers to tip him so he could show his income was going up year over year.
This November 2018 vlog is where he describes how he needs an income spike (timestamp 43:52):