The overstaying COULD be a challenge. I'm not sure how they treat this, but the fact that you voluntarily went home can only be good.
Regarding finances, submit what you can. The immigration authorities are looking for proof that your husbnad to be can support you, so as long as he has a bit of money in the bank and a couple of months pay slips he should be in good stead.
I would also explain the situation as clearly as possible in his supporting letter as that will help them and avoid them having to 'read between the lines', which would just waste time.
Be honest, by open, and submit as much documentation to prove his finances are healthy, thats my advice.
Good luck.
