FHA Home loan scores in low 600s?

The loan will be under my husbands name since he has the income and I don't. His myfico dot com scores are bouncing around about 590-630ish pending on what time of the month you look at them. We are both first time home buyers and we don't have any bankruptcies. He has a couple personal loans but current and already paying back.great standing in credit repayment just high utilization but currently paying it down… I think he only has 1 thing in collections which is a few years old. No auto loans no home loans no student loans. He's been at his job for almost 3 years last job was over 5 years there… Small break between the two jobs due to being laid off ( a couple months). He makes about 45K/yr. We have been renting 10 plus years and are tired of renting homes so we would like to buy one so we are looking for FHA home loan type mortgage in near Mesquite, Texas… We would love to live in the 75181 area creek crossing if we can be lovely to find a 4bd 2 half bath 2 car garage. We can't get more than 5-6K in down payment. Given all this info what is the possibility we can find a home of our dreams… Our current lease is up by end of April 2016 but we have to give notice first of March 2016 so we thought we would start talking to bankers and what not right after New Years Day. Is that enough time?

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