Did your husband miss any payments when doing his short sale? How many? I think with a lender having you both as "co-borrowers" you may be able to get a loan through with a letter of explanation & get THE going rate, if the lender can use YOUR higher credit score, but also his income so you can qualify for what you want / need.
Shoot me an email directly if you'd like to talk to me some more. I don't look back on this same Trulia thread for answers posted after mine.
Realtor Since 1996
Main Street Realtors