no credit and new to the country wanting to purchase a home
If you were both students beforehand and have evidence of such, You can qualify to purchase. Feel free to contact me at your earliest convenience. loanswitheddie@gmail.com

Refinancing my home in the bay area (California)
Really depends on your equity position. Need all the pieces of the puzzle but definitely better off refinancing into a lower rate. The challenge will be if your current loan is a JUMBO, there are less options as an investment. Drop me line to discuss. loanswitheddie@gmail.com