What type of mortgage did you apply for, FHA, VA, USDA or conventional?
You would need to give some examples of the road blocks you've encountered so far because some of it may be lender specific.
As long as your husband is back to work in the same line and being paid the same way then the fact that he was out of work shouldn't be an issue.
Is 628 his middle credit score? What is your credit score? How does your credit look? Do you have collections, late payments & or charge offs? How about major derogs like bankruptcy or foreclosure?
Is your disability permanent or temporary?
There are several things that could be an issue so it's really important that a lender tell you exactly what the problem is.
Feel free to contact me for more information or help.