you will probably need to get your credit up to maximize your buying potential for you and your husband. if you are paying $1700 a month you should definitely be able to purchase especially 10k for down payment. I have a lender or two that can assist.
Give Ed Sabol a call at Maryland mutual mortgage. It's a little distance from you but he could work with you to see where you stand. His number is (443) 668-9720. Once you get everything straight, I would live to work with you to find the house you are looking for. Good luck.