Sorry for your loss.
It sounds like you have been working as a contractor.
Lenders, however, sadly, favor salaried work.
Lenders like stability and old-fashioned-ly believe that when you work for a company,
you are all set and stable - hence, a better risk.
Once you find a salaried job, after 2 paystubs, you are all set to get your mortgage.
You can also have your husband's credit history fixed - there are companies that fix credit.
You can find a mortgage banker that has more flexible lenders - some lenders will be more open-minded when it comes to contractors. If possible, you can increase the down payment amount and have even more programs available to you.
Hope this helps,
Beachfront Realty, Inc.