You stated we so I assume that the accepted offer has both you and your husband on the accepted offer. I would have been great if you would have had a pre-approval for direct lender before submitting the offer. I am surprised that the owner did not require complete purchase agreement, pre-approval and source of funds before accepting offer. I assume accepted offer has loan contingency date. There is a date when buyers should have formal loan approval. ASAP you need to contact a direct lender and hopefully get a loan approval and precede with your purchase.
Gail Mercedes Cole