Although Dunes and Ian are correct about your husband needing to work to improve his credit, you do have a few other options. One of those options is to buy a home with creative financing. While I don't invest in your market, if I did invest there, and if you were interested in one of my properties, then I'd do the deal with you with either a lease-option (if you didn't have a down-payment of at least 20%), or a wrap (at 10% APR [due to the credit rating]--with the 20% down-payment). Most other investors I know will probably offer you similar terms.
The point isn't to crucify you (or anyone else for that matter); rather, better credit leads to better rates/terms.