that makes it tough. Going for a mortgage with his scores which will be the primary one they will look at since he is the one working is going to be hard. Owing this is going to be a problem trying to obtain a mortgage even with a sub prime. You could probably still get one, but do you want those terms?
What I would do if I was in that situation would be, putting off purchasing a house for a bit, if you can, work on getting that debt down and work on your scores and past debt. Debt to Income ratio is a major factor in the approval process. With scores in the low 500's you would no doubt be going sub-prime and you have to ask yourself is this something I want to get into. Your terms are going to be horrible more than likely. so would it be worth it to you to put the thoughts on buying a home on the backburner for a year or two so you can pay down the lease of the car and work on your husbands scores to be able to get a better mortgage? It could save you thousands of dollars in the life of the loan.