while speaking to a lender is your first step, there might be a couple of other resources that might help as well. With a credit score of 604, you may need some education on how to improve your credit score, or you could have erroneous information on it. I would suggest you speak to Heather Champlin at Blue Water Credit for an analysis of why your score is so low. The second part of that conversation is how to build credit for your husband. She can be reached at (916) 315-9190 or email@example.com .
The second idea is to learn about the program now being offered through funds available based on the lawsuit settlement with Wells Fargo. There is $15,000 downpayment assistance available, for a short time, for people trying to buy their first home. They are having a seminar Nov. 15-17th, I believe, to take applications. Why not check it out?
It may be too early for you but maybe not. If nothing else, it will be educational to see how to get started.
And last, you may want to attend one of the first time homebuyer seminars available. One such program is offered by Neighborworks and discusses all aspects of owning your own home.