You only have to put the people that qualify for the loan on title/deed/ deed of trust. Use me as an example: my wife is a stay at home mom. If I were to buy a home they would only use my financials. At that point we would have the option for just me to be on title or my wife and I.
Mortgage Broker or Lender, Louisville, KY
Your other question indicates you are borrowing money to complete the purchase. In my state she would need to sign the deed and mortgage giving you permission to do the deal. Otherwise we canâ€™t close the loan. Good luck,
I like Phil's answer. Probably you will be better off putting your wife's name on, but putting joking aside. No, you don't have to. I even recently had a closing where only husband's name appeared on the deed.