Let me clarify - one response said you could possibly get a "stated" loan. Be aware that in order to "state" your income, you must have a job. And the "stated" income should be realistic for what you do. Stating something that is untrue is FRAUD.
Other loan types that would allow your credit score and lack of job (you said you are a full time student), would be a "no-doc", or "no-income" loan. This is not fraud if you apply for a loan that does not require the disclosure of a job or income. Rates are higher, but qualification is based mainly on your credit score and down payment.
Otherwise I would suggest talking to a broker or local bank. Even with a low credit score, FHA and some sub-prime lenders may be able to make the loan in both you and your husband's names using his actual income to qualify.
Caution - home ownership is a priviledge, not an entitlement. Beware of any lenders that encourage you to lie on your application just to get a loan. This is why the country is in a foreclosure crisis. If you qualify based on your current facts, then enjoy the new home. Otherwise, give it time, save up for a down payment and wait until you are truly ready to own a home.
23 year mortgage professional