This is a multiple question regarding my husband, myself, my son and an auto loan?

Your local credit union is probably the best place to go if his credit is not so good, and if you are upside down on the truck. As long as he is making the payments why are you worried about him taking over the loan? Do you need the cushion in your debt to income ratio? I would leave it as is unless he can refinance on his own. If he just takes his papers in they can tell him what his chances are at getting approved without running his credit. I would not cosign for him though. If you are going to go through the trouble I would want my name completely off of the loan.