If we use your husband's income then we must use his credit for qualification for a mortgage. We also use the lower mid FICO of the two applicants.
You and your husband should go to your local nonprofit housing group for credit counseling. They can advise you what you need to do to get your husband's credit scores higher.
All good answers. The North Carolina Housing Finance Agancy is a great place for credit councling
If I can help let me know. I am over in Wake Forest