Please contact me, there is a local bank that my be able to offer you and your husband a conventional loan. Credit is not a major factor in their decision. The rates are low and you only need a minimum of 3% down.
Let me know if you're interested!
United Realty Group
A word of caution. If your husband's credit is damaged because of a recent foreclosure or short sale even if you were not on the note or deed, it may have an impact on your qualification, particularly if you lived in that property during the past two years. The lender may ask for the last 12 months mortgage history to make sure is satisfactory. Give me a call if you want to discuss further.
Enjoy the Florida lifestyle!
Best of luck,
Prudential Florida Realty
Please see my blog with tips and advice on the mortgage process