As you know there are no short cuts to knowledge.
I have a lender who specializes in rebuilding credit and he does it
with grant money into an account that your husband pays on ( small
payments of course ) . It's best to speak with a lender, by email is
fine, who can cover multiple options with you.
It's just always best to get facts from a professional rather than ideas
I'm happy to speak with you or email the lender's contact info to you.
And I hope, you'll allow me to help you when the time comes. But -
I had a buyer not to long ago in a similar situation as yours. I put that buyer in contact with top lenders in Indianapolis and in months my client was able to sell their current home and buy a new one. Please contact me and I can assist further.
Your best option, other than selling your existing home, is to rent a home for one year in IN and rent out your existing home. Make sure that you claim the property than as a rental on your following years tax return. At that point, you could counter that debt from your credit with the rental payment coming in and have a better chance of getting a mortgage for another home in IN or whereever you end up.
I hope this information will help you. If you have any other questions, I am more than happy to answer you if you would like to email me directly at Iyad@REPropertyManger.com.
Good luck with your move.