Our (non-mortgage) company offers this service for the same cost as what your loan officer would charge. $90 per account for all 3 bureaus. We also have an unlimited package that costs $299 for as many accounts you need rescored.
I can be reached at 877-254-1900
Hook up with a Realtor and then visit the local lender they trust, teamwork will help your odds.
Wells Fargo is currently considering some very low scores for their FHA financing. No one can approve or deny your credit without an application, but I would start with a local Wells Fargo branch and see how things go.
Another thing to do is to work on improving your credit scores. Paying off debt will have helped, but paying it down and reestablishing some on time payments is also important. It may be good to get a copy of your credit report directly from Trans Union, Equifax and/or Experian and dispute any derogatory items you can. This must be done in writing and you may need to be able to prove the information is inaccurate. I've used a service called Rapid Rescore with borrowers who needed immediate results and they have worked wonders for a reasonable fee. You can do this yourself for the cost of a few stamps but it will take longer.
Better scores increase the chances for approval and can result in lower rates and fees.
When you are married, buying together lenders will use the middle score of the weaker borrower to set rates and programs. Your wife's scores can help, but yours may end up being the determining factor if they are lower. Best of luck.