You are correct, you will only be able to use the income of the person applying for the mortgage. That being said, you still may want to talk with a lender and see if your score is high and your husband's is low, they may still be able to qualify you and use both incomes. I would suggest trying to qualify with both and see what happens. If the lender runs your information through the automated system and it rejects you, you can always reapply. Your credit score is only hit once per 30 days when applying for a mortgage. So, you can try a few different ways of working the application.
I hope this is helpful, please let me know if you have any questions or need a good lender to talk with.
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