The answer is yes, you can be on the tile without being on the mortgage. This is actually very common. There are different ways of going about accomplishing this, but first I need to know if you already purchased a home (with your husband's name already on both mortgage and title); iif you are in the process of beginning a home search; or if you are already in contract with a set closing date. With this information I can give you a "how-to" based on your particular situation. I am lucky enough to work with many great title attorneys and their employees, and can have them help me come up with detailed information for you. Kuddos for being savvy! You may not contribute to the household income, but being a mother and housewife is WORK too!