I have a HUGE oil leak ,where could it be comming from?

If the the oil filter was indeed loose, then that could definitely be a source of a large leak. All the oil in the engine passes through the filter after coming through the oil pump. Make sure your oil level is where it should be since it sounds like a lot leaked out. Did you recently have the oil changed? Oil filters are usually only hand-tight when installed (tighten to contact gasket to the mating surface, then another 3/4 - 1.5 turns past that). Does it only leak while the engine is running? Leak when it is parked, engine off? Was it a big stream of oil or drips mostly? Maybe your husband can look under your Jeep after you start it to confirm nothing is leaking. Remember if oil was leaking, there may be residual oil left on the engine if it was not cleaned.