my husband and I are trying to buy a house, just l

It is fact that unless you've the required debt to income ratio and a good credit score, it will be difficult for you to get a mortgage to buy a property. It is good to note that you've paid off your husband's jeep and now you're working on paying up your other debts. Once you pay off some of your debts, you'll find that your debt to income ratio has increased. You should also take steps in order to increase your credit scores. Paying off some of the debts will help you increase it. Also, you should make sure that you do not make any kind of late payments on your debts. Once you stop making late payments, your scores will increase. In order to get a conventional loan, you should have a credit score of around 700-720. Once you achieve this credit score, you'll be able to get a loan.