info about FHA financing and credit?

Can anyone shed any light on qualifying for a FHA Loan- I have excellent credit, top 10 percentile and not $ 1 in debt…my husband couldn’t be more opposite. He had a failed business that left him with debt we’re still paying off. When we apply for a mortgage, how does it work- do they average the scores? does the better or worse score prevail? I imagine there is some formula, or process but have no idea what that is.

Are we better off to try to buy just in my name? problem is that I made substantially less than him and we’d have much less to buy with.

I’ve looked online but the only sites that provide any info about this want me to sign up to talk to a broker and I’m not ready to speak with a broker.


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