Do I need a debt program for getting ready for a home?

We have no kids and no dependents. We are looking into getting a mortgage in 2 years.
What do they look for when getting a mortgage?

We have one credit card at $ 14,000, 2% – $ 250/mo.

We have a car loan added with a consolidation loan to it for $ 30,000 – 6% – $ 620/mo – 5 years

total debt : $ 44,000.

any ideas on how to pay this down quicker?

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