Have you talked to a lender? Sometimes people think they have bad credit when in fact it is not so bad! FHA loans especially can be done with marginal credit and there is also the option of putting the mortgage in your husband's name only.
Talk to a good LOCAL lender, not someone you find on the internet. If you don't already know someone, talk to a good realtor first and let them suggest a lender. It will cost you nothing and you will know exactly what you can and cannot do. You will also know how to improve your credit rating, etc, and how long that will take so that you will be making decisions based on facts (not what the folks on TV tell you, actual hard facts)!
You may find you can get a mortgage now, or you may find you can get a mortgage in two months from now, or you may find you need to discuss seller financing. Either way you will be dealing with facts and not conjecture.