I work with several realtors that can make a cash offer on your home the day they list it for short sale. I cannot guarantee that they can stop your foreclosure but I have seen the stop many that were just days away. After the trustee sale is postponed they have been able to negotiate a short sale with the bank. In my opinion it is better to short sale than to have a foreclosure on your credit.
My realtors have deep pockets and are former hard money lenders with a new business model. They might be able to rent the home back to you.
First of all be aware that Zillow tends to be very inaccurate and you might or might not have equity on the house, but for the purpose of this we are going to assume that you do have enough equity to sell and cover the lien(s) and all selling expenses.
It is important to note that you can take someone off the title, but he/she might still be on the loan. The only way for you to get off the loan, which is what I assume what you want to do in order to buy a new house, your husband will have to re-finance on his name only (which will be a challenge if he is unemployed) or sell.
If you are going to sell as a regular sale, which seems to be the only possible option if you can not make the payments and want to preserve your credit, you will have an advantage when selling and it will sell quickly - as long as you realize that you will be competing against very aggressively priced foreclosures and you price accordingly.
If your name is still on the loan of that property you might still be able to buy with little down - but that will depend on many other factors.
I actually live in Chandler - your same zip code - and do most of my work in the area. If you need help I will gladly assist you.
Carlos J. Ramirez, PC, ABR, CNE
Associate Broker/Realtor, HomeSmart -