Can you refinance your home after 2 or 3 years to shorten from 30 year to 15 year laon?

My husband and I are thinking about buying a house in the near future. We are hoping to get approved for a first time home buyer with 0 down. Can we start the loan at a 30 year loan then refinance to a 15 year loan in a few years when we have a bigger “down payment”? We would like to get into a house while it’s still a buyers market, but it will take us probably 3 years to come up with a down payment. Please help!

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