This might be something to consider, since you may a big break on mortgage rates (depending on the type of mortgage you are seeking) if your husband's score jumps over 700. It is often fairly easy to accomplish this.
I have been in the mortgage business for 15 years, and if you would like me to take a look at your credit report and discuss various "out of the box" solutions as well as straight answers to your basic questions, call me or email.
The most upfront, honest, tell it like it is mortage consultant I have found is Dawn Benedickson. She can be reached @ 732.259.6077 (mobile).
While I am sure Jeremy (who responded earlier) is also a good rep, I always recommend that my clients speak to more than one rep.
Love and Peace,
Francesca, Realtor, ePro
Jeremy S. Hill. Mortgage Consultant
Aurora Financial Group, Inc