Here's a little trick...legal, but sneaky.
Make the EEA application (which is free) without sending off your passport. It will take them a couple of months to look at this, by which time the three years will have been up, and you can make the ILR application with the necessary documents and withdraw the EEA application.
Actually, hang on a second. Your husband is British, he shouldn't need to prove three years residency. Where have you got this info from?
Vicky