I can enter as a spouce (since we will be married longer than 4 years at time of application). I can apply for citizenship after three years.
Not quite - the spousal visa rules changed last year and there is no longer any special provision for people who have been married for more than 4 years.
It will now take you 5 years to gain permanent residence (instead of immediately) and then you can apply for citizenship after those 5 years (instead of 3 years).
Your visa route will be:
- 2.5 years on a spousal visa
- 2.5 years on a spousal visa extension (FLR(M))
- ILR after 5 years in the UK
- Citizenship once you have ILR and also meet the residency requirement... so although it's still technically 3 years to citizenship, you also have to hold ILR, and you won't be able to qualify for ILR until you have been in the UK for 5 years.
Each visa now has an income requirement, and for the spousal visa in the US, only your husband's income will count. If you can get UK citizenship for both kids, then he will only have to meet the income requirement for a spouse with no kids - which is £18,600 per year. He must have a guaranteed job offer in the UK paying at least £18,600 and starting within 3 months of moving to the UK AND he must also have earned at least £18,600 in the US in the previous 12 months before applying for the visa.
If he hasn't worked in the US in the previous 12 months, or has earned less than that, then he will need to work in the UK job for 6 months before you can apply for your spousal visa. If he does not have a job at all, you will need £62,500 in savings to be able to apply for the visa.
For each visa afterwards, your income will count too, so you just need a combined income of £18,600.