You can try to clean up your debt, since this would be a wise move in the long-run for you anyway. But to answer your question, you cannot include your income but exclude your credit.
The only other option would be for your husband to find a co-signor who is an immediate family member of his or yours. They would need to have high income and low debt. They would, however, be liable on the mortgage debt and need to be aware of that.
You may contact me on here to discuss further, or you can call me at 440-320-5959.
This is a detailed question and it will need to be talked over. There are many variables and different things to look at to see if you qualify. I work with someone who can do FHA with a 620 credit score.
Please contact me and we can go over your situation and see if you qualify. If the guy I work with can't do it, I don't know if anyone can. Look forward to hopefully talking with you soon.
RE/MAX NE Ohio