Without knowing the credit scores and credit history for both you and your husband, we'd all just be guessing what might happen if you applied for a loan together. Your best and most accurate answer will come directly from the mortgage broker.
I know, from personal experience, that it can be pretty frightening talking with a mortgage broker and there is always concern about what to tell the broker about your financial situation. But here's one thing to remember, your mortgage broker is YOUR agent and will try to match you and your husband with a lender whose lending guidelines most meet your specific needs. Also, withholding information will only create problems later--it's better to be prepared and forewarned then disappointed later because you could not meet lending requirements.
The mortgage broker will also tell you if it would be better for you to not be on the loan for a home or if its better to wait. In some cases, there may be things you can do now that will have a positive impact toward your credit in the very near future, and will make home buying that much easier. Either way, you won't know what your situation is or how to resolve it until and unless you speak with your mortgage broker about your financial situation.
So talk to the broker, be honest, and work with the mortgage company to find a great loan for your next home purchase.