WTF WTF WTF

What is really wrong with me . I've realized that when its time to have sex I'm not wet & it's not because I'm not in the mood because I'll be really horny but not wet and I feel bad for my husband because he thinks it's his fault . Usually during foreplay I'm ready and he can just slide it in but lately I now have to use oral to wet his private part to go and it's embarrassing . Is it me ? I'm only 21 . Like what's going on ? Ladies please help !