My husband was convinced that we couldn't look at houses. At least until we sat down with the bank and they told us the cost and we did the math. Perhaps that is what your husband is worried about to. There is a cost difference but not always a big one. Maybe you can ask him to go to the bank and just discuss it as an option with them to see what you are approved for and then he may get more excited for it when he realizes that it is possible.