Do I have any blemishes that would cause me to have to do some credit repair? If you find you need help here, this page can offer suggestions, Credit Repair.
That should get you started. Then once you find out if you can afford the home and if you have the credit scores of 620 or above for both you and your husband, then you may be ready to apply for a mortgage.
Personally I believe the FHA home loan is a great choice for first time buyers. The question is which one?
According to the FHA lending guidelines, is it possible for escrow to be paid out of packet instead of rolled into the loan? What are the guidelines for a 2nd time home owner? These are answered below…