Your husband's score is good enough for conventional or FHA financing, as long as your debt to income ratio fits the requirements.
If you would like more information on financing, I would be happy to put you in touch with a great lender who has been in the Bakersfield market for years and has an impeccable reputation.
Also, I can get you all the information you need on homes in the Kern County market.
Please feel free to call or email me directly with additonal questions or to get started looking at homes.
If you are paying all cash for a property, then credit score doesn't matter. It only matters when you are financing.
Yours is the kind of transaction that agents love! Make sure you choose a good REALTORÂ® to help you. If you need more info on how to get started, feel free to contact me directly at info@HomeSalesSally.com or 661.375.7325
Hope this helps!
Perhaps the easiest way for you to demonstrate this to yourself is by simply going to the next schedule courthouse auction in your area. Show up with enough cash and make the right bid and you can literally buy home being auctioned.