Hello, I'm a mortgage professional.
You can get a mortgage with as low as a 580 credit score and you would only need 3.5% down payment. You can even roll in closing costs using a sellers concession.
We may be able to just use your husband depending on his income and so forth or I can take a look at your credit and see if we can get your score up quickly so we can put you both on the loan.
If you need help your are welcome to fill out an application on my website or you can contact me with any questions.