Hi there Raquel. You appear to be stuck in the common place a lot of people are today . The old rock and a hard place.
Your Husband is correct about the gamble. But the first step you need to do is to sit down with a professional reputable mortgage broker who can assess your financial situation and make a recommendation. There are many factors and programs out there that could work for you both.
This is definitey a great time to buy and many of the programs that are avaialable today will not be in the future just as the programs that were avaialable last year are not around today. The lending rules and requirements seem to change daily.
I do work in the San Diego Area and help out a ot of clientso buy here. I would be happy to help you . I will tell you honestly the best solution for you.
First Team Real Estate