If you don't need your income to qualify, you may be able to qualify for an FHA loan in just your husbands name. FHA will consider scores as low as 580, but not all FHA lenders work with that, so you may have to look around.
If you do need both incomes to qualify, you should take some time to fix your credit. The basics are; pay all bills on time, pay down balances to 1/3 or less, do not close any accounts or pay off old collections unless your loan officer suggests it. Save up all you can, down payment helps.