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Oh my, this does not look good. But I do have a suggestion since you have $35K. Ask your Landlord if they would consider Seller financing.
Here are some example of things you can consider offering to Seller that would hopefully be enticing:
*offer a $30K downpayment
*Request a 3-year balloon mortgage (this will give both of you time to get your credit in order and file taxes)
*Do a interest-only loan with balloon payment due at end of 3 years--then you can refinance with a lender.
*Offer 10% interest
Of course, none of these is in your favor but at this time, unfortunately, you need them. And this is just my 2cents.
GL2U
If you have the means I suggest paying the settlement offers on the CC loans. It's not as good as paying in full but if they are paid it is better than nothing. No one will give you a loan with 22k in unpaid charge offs. As for your husband. He would have to get those paid too. Is the charge off in collections or just reporting by the original creditor? Also making sure a small amount reports on one of your major bank cards each month.
I have to say that I don't know if you will be ready to apply in a month but you should consult with a loan officer about what he thinks the best actions should be. See if he will be able to get you approved if you settle on the charge offs.
Good luck!