The bank was handing you a ration of crap ! FL is NOT a community property state. They didn't want to give you the loan in your own name for some other reasons they weren't telling you. Pretty underhanded if you ask me !
No, your husband's creditors can NOT attach liens to YOUR property.
Florida USED to be a common-law state, but that was repealed as of 1/1/1968.
The next time some moron tells you FL is a community property state, I suggest you hand them the following bit from the FL Statutes:
"Title XL REAL AND PERSONAL PROPERTY
Chapter 708 MARRIED WOMEN'S PROPERTY
708.08 Married women's rights; separate property.--
(1) Every married woman is empowered to take charge of and manage and control her separate property, to contract and to be contracted with, to sue and be sued, to sell, convey, transfer, mortgage, use, and pledge her real and personal property and to make, execute, and deliver instruments of every character without the joinder or consent of her husband in all respects as fully as if she were unmarried. Every married woman has and may exercise all rights and powers with respect to her separate property, income, and earnings and may enter into, obligate herself to perform, and enforce contracts or undertakings to the same extent and in like manner as if she were unmarried and without the joinder or consent of her husband. All conveyances, contracts, transfers, or mortgages of real property or any interest in it executed by a married woman without the joinder of her husband before or after the effective date of the 1968 Constitution of Florida are as valid and effective as though the husband had joined.
History.--s. 1, ch. 21932, 1943; s. 2, ch. 70-4; s. 1, ch. 83-67."
See where is says "SEPARATE PROPERTY" ?? And "the right to 'contract and be contracted with" ?? The loan officer is a jerk, find another bank