It depends....

Credit Bureau wise you are doing great! The cut off is usually 580.

Now you get into the other factors involved with Mortgages and loans... Total debt service ratio and gross debt service ratio which if add up all your monthly bills and obligations and devide it by the amount of monthly income you have coming in and then times by 100 you will get a percent... that percent should never go over 32% for total debt service ratio and 40% for gross debt service ratio (which includes all of your assets and liabilities)... Which basically shows wheather you are bringing in enough money each month to service this new debt.

YES YOU CAN, things have changed over the past few months since you asked the question. There are actually government backed loans that you can qualify for on your own. There is a good chance that you and your husband can qualify together as well IF you work with a knowledgeable mortgage person. If you have any questions please feel free to contact me at bill@tymortgage.com

yes,now is the right time to buy,the market favor buyers mostly today