Best Mortgage for Low Credit Score?

Your husband credit qualify him to get conventional mortgage, but your credit score is to low ( lenders require 620 min. score). Your best bet is to apply for FHA loan, but deepens what is on your credit report, that your credit score is so low? If you are in default in any government loans, student loans- your application will be denied. FHA loans offer the same rate like conventional loans, so you don't have pay higher rate. If this loan will not work- you can use only your husband credit and income and automatically you will qualify for smaller loan amount.