The answer is yes, it may be possible for you to qualify for a loan. You will need a direct lender who does manual underwriting.
Mortgage Loan Officer
BenchMark Realtors, LLC
BenchMark Mortgage, LLC
Michael Bellaire, Broker, ABR
Sr Mortgage Consultant
(P) 800-793-9633 ext 185
Your credit score is not zero. Your statement that it is shows that you need to have a better understanding of how credit works. And you need to determine your credit scores and what's on your credit report.
Also, many self-employed individuals are in the situation your husband is: They make good money, but for tax reasons show little actual income. And, yes, that's a problem.
Find a good mortgage broker who'll pull your credit reports (you can do that yourself) and analyze them for you, and then make some recommendations on how to structure your finances to increase your ability to get a mortgage.