What Kind of Requirements for a First Time Home Loan?

home loan

We just so tired of renting. My husband’s twenty five years ancient and has fantastic credit. The thing is that he just got a new, excellent job since he graduated from grad school. I don’t know much about home loans. Would he have to work at the job for a certain amount of time? Would we have to have a down payment, or can you get home loans without it?

Should I Refinance My Home if I Plan on Selling It Within 2 Years?

refinance

I have a $92,000 home loan at a fixed rate of 6.75 for 30 years. Right now my payment is $600 per month. This does not include my PMI payment of $46.25 a month.
I plot on building this same payment after refinancing, but applying the excess to the principal. Would this be beneficial to me if I am going to sell the house in 2 years? Should I let it be? Should I get a loan for a shorter amount of time?