Need to refinance to get a fixed rate v/s arm. Started new job recently. Will this ruin my chances of being able to refinance? If so, how long do I have to be on my job to refinance? Also, are closing cost able to be figured into the loan or will I need that money on hand?

You can set the amount of the loan to cover your closing costs. Just starting a new job shouldn't have a major effect on your credit rating. Overall job history will help mitigate that.

Start shopping around.

Best place is call is your current lender, if you havve a good history with them, they can often convert it to a fixed without having to have new apprisials and often without a new credit report. And much lower closing costs.

Just starting a new job, in of itself, would not cause a problem, provided that it is in the same or related field based on your experience and education. Suppose that you had been a carpenter for the past few years and had just earned your engineering degree. A new job as an engineer at XYZ Corp. would be deemed acceptable by virtue of your education. The same carpenter getting a new job in an accounting office would have a problem. The same A-1 carpenter who goes from being an employee to starting his own construction company would have a big problem.