if we got a harp loan only in my husband's name, could my income still be considered without being on the loan?

No - If you are not on the loan, your income can not be considered. http://harp-refinance-mn.com

No, why would that make any sense at all?

HARP guidelines require the borrowers currently on the note to remain on the new loan except in certain rare circumstances like death or divorce. Income, credit and asset requirements are also reduced for the new loan.

As Joe said above, if you are not obligated on the mortgage your income does not count. I imagine there may be a credit issue which is why you are not being included. As part of the many "fixes" to mortgage guidelines these are the new requirements for virtually all loans these days