Orlando home buyer,
There is just way too much we do not know to provide any actionable guidance.
The good news is you recognize your situation. If your husband is in agreement that your best interests are better served if your credit score were improved, you are now ready to start down the path of financial stability. However, both of you will need to be partners in this goal. No one want to have their time wasted by those whose heart isn't committed to the outcome.
Acquiring a mortgage with a low credit score will be costly! You will end up pay way to much in interest and other fees and this will encumber you to an extent that any bump in the road will send you flying into a gigantic wreck! Don't be involved in a gigantic wreck.
Start your recovery with a plan and patience. In the end, you will be much much better off.
Identify a local bank that has a history of investing in the local economy by providing mortgages and small business loans to area residents. The big banks consistently get an "F" grade while local banks consistently get "A" and "B' grades.
Find an "A" or "B" bank and give them a call. Set up an appointment and let the agent know you want to purchase a home and would like their guidance regarding improving your credit score. When they have helped you qualify for a mortgage, don't be a bandit and get a mortgage through another bank. That a source of really bad Karma.
Now, here is the resource to use to find the bank.
Best of success to you.