Welcome to San Francisco! I hope that you and your husband will be happy here.
Applying for an FHA loan is similar to applying for any other loan, just that the lending criteria are a little easier.
The 2 main problems are the price as there is a loan maximum below $630,000 (I believe, a lender can confirm the amount) and a property that will qualify. With single-family home inventory being down about 75%, there aren't many houses available and no reason for a seller to sell to you when there will likely be an appraisal issue.
Your best bet would be a condo and many of the places that were FHA-approved, Axis and Esprit Park for example, are sold out.
I did sell a lovely condo in the $600,000 range a few months ago and the buyer went with FHA financing as he wanted to just put a little down. We did have an appraisal issue and had to get a second appraisal. My client did get the home of his dreams but it took a little longer and cost several thousand more due to delays and additional expenses.
Bottom line, it is very tough but do-able and I have a great lender team, Bill Mattle and Miles Grant, with Opes Advisors who can do the loan for you. An important first step would be talking to them. Feel free to email Miles at firstname.lastname@example.org or let me know if you would like his phone number.
Good Luck and Happy New Year!!!