You have 2 separate things here!
1st time Home buyers tax credit. If neither you nor your husband has owned a home within the past 3 years, then you are a 1st time Home Buyer if your income is under $150,000.
The only way to know if you would qualify for a loan would be to sit down with a mortgage broker or your bank. I would STRONGLY recommend that you deal with a LOCAL person. Find someone that you can sit down face-to-face. You will need to have someone that you can depend on to be there & make things happen as they should.
Drop me a note at firstname.lastname@example.org or call me at 440-487-2193 and I would be most happy to offer you some names of qualified, honest lenders.
Keller Williams Realty Greater Cleveland