Mortgage or bust?

I am married, but since my husban’d credit is worse than mine, I will probably be on the loan by myself. I make $ 34000 per year, but together we make over $ 60,000. We don’t have a downpayment other than $ 1000. We would like a HUD home or a seller pays closing home, but with my scores (624TU, 599EQ, 615EX) Could we even get 100% financing? I live in Dallas, Texas. We will have more money after we get our tax refund, but thats 3 months away. Should I at least start applying? We have to move in 6 months. I was in college up until 2005, but have always kept a job since then. Are there any brokers/companies here that can help? Thanks

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