I would think that your husband could go throught the re-finance mortgage process alone, and you and he could be placed on the deed/title.
I am not an attorney and cannot give you legal advice. I suggest that you speak to a real estate attorney (perhaps one who would also do the re-finance settlement) and he/she could give you the legal advice you need.
Brian raises a good point but in Frederick or Montgomery county spouses are exempt from county transfer tax. Same with the state taxes. Counties can do things differently but spouses are in good shpae. If you want to do that regardless of the refinance I know some excellent attorneys if you need a referral.
Not to be a barer of bad news...this may cause a transfer tax to be charged depending on your area. I'm no where near it but ask the lender and title or attorney involved.
= ) Best of luck, Brian
Congratulations on the wedding! This is what I would do. Let hubby refinance and have him on the mortgage. After the refinance he can add you to the Deed. You might want to consider estate planning while you are at is to maximize efficiency and pay one time for you to be added to Title and then for the property to be placed into your Family Trust.
I hope this helps. Good luck!
Hannah Fliegel, FICO Pro
if they will not, then contact a loan officer to refinance you, make sure there are no prepayment penalties or with teh new loan there is any seasoning requirements, let your loan officer know when you purchased and why you want to refinance.
good luck with working things out