Amber, I apologize in advance, because I am not going to tell you what you want to hear...
As you know, you're credit scores are quite low. I once held the exact credit score of 520 also, and I can almost guarantee that you will not qualify for a home loan with either of those credit scores. You would need a massive down payment, and, quite frankly, you already have a mortgage in the form of the 5 credit cards. That consumer debt will prevent you from doing so much.
There is good news for you both, though. But it will take time and discipline. You will need to begin budgeting your spending so that you do not use credit cards to make purchases that exceed your monthly income. More importantly, you'll need to make double or even triple the minimum payment on your credit cards to begin to pay those down. Both of these are EXTREMELY HARD, because you both already have habits of spending that prevent this ability. You will need to break them.
Once you have established a monthly surplus, start snowballing your credit cards -- pay off one, then use that same amount you were paying to pay off another, and pretty soon all those lesser monthly payments will allow you to save and pay off debt. In addition, this time will give your credit scores time to heal, and show that you are good consumers with a good track of paying off what you owe. This will lower your mortgage rate, lower your debt, and lower the stress from money problems. Please, please, please -- if you are Christian, or even open to some Christian concepts check out Crown.org, they have some solid money management techniques, more in-depth than what I described, that can help you. As I said to being with, you just need discipline and time, and you can get the house you deserve without sacrificing your lifestyle.