I know several lenders and if you need some guidance they can help.
Long and Foster
540 903 6686
John R. Beavers, Realtor
Heartland Realty LLC
Long & Foster Realtors
Your rate will be historically very low, but it may not be as low is it could be if the credit was better. Rather than worry about getting "the best" rate, do your homework, talk to a few different lenders to consider the best total package of rate, fees and chances of successful closing.
Before I became a lender a few years ago (I'm not currently one though) all I focused on was rate, rate, rate. After doing several loans for people and brokering them through various sources I began to learn that getting an approval at an okay rate was superior to getting declined at an awesome rate. Results matter.
I would encourage you both to meet with an outstanding lender sooner rather than later. Just getting past the 2 year mark is the beginning of qualifying for a mortgage, there is much more. When a lender sees your complete application and credit report they can advise you what additional steps you can take to improve both the scores and your overall chance for approval. Between now and this summer your husbandâ€™s scores will be different, and so will yours. Learn how to improve them.