If you have bad credit, you will have to rebuild your trust to lenders. This takes time and patience.
Even with no credit card history your husband should have a record of having paid other things. Loan officers call this "alternative credit" These payments include: 1. Rent 2. SMUD 3. PG & E 4. Cable Bill 5. Internet Bill, 6. Phone Bill .7. Car Insurance payments, 8. Renters insurance payments 9. Storage locker payments 10. Club membership dues 11.Any recurring payments made to any business
Verifying these is a little more work for the loan officer and your husband, but worth it.
Even with no credit score, he can quickly build one with a real small credit card for the next time you need to make a store purchase. Even a gasoline company credit card can help establish the credit score.