There are some mortgage products that use all 6 scores (your 3 and your husbands 3). With a middle score of 666 for yours, and your husband's being better, I don't foresee you having trouble getting a mortgage. Work with a mortgage broker rather than a bank. The broker will have access to way more mortgage products.
What's your window for a home purchase? Next month? Summertime? Fall? etc.
Total CC util under 50% is good, but under 30-35% is about what mortgage companies really wanna see.
For the old charge off, you could try contacting the OC and inquiring about whether they would consider a PFD. If the DOFD is from 2001, then it won't drop until sometime in 2008 or 2009. However, since it's that old, I would first try to get a GW delete. Those are free.
DTI = Monthly Debt (Credit card monthlt minimum payments, Mortgage payment, etc.)No utilities! Monthly Gross Income
As long as your DTI is in line, 9 times out of 10, the amount you owe on the card won't matter to the lender. The lender shouldn't require you to use your reserves to pay them down and if they do, there are other lenders out there that will not.