In order to put yourself on the loan you and your husband would have to refinance your house. All mortgages have a "due on sale" clause meaning that anytime the deed changes hands they require the loan to be paid off. If they original title doesn't match their records they could possibly make you pay the full amount of your house at the time that you change the deed. In other words, if the bank were to do an audit and the name on the mortgage is "Bob Bigglesworth" and the deed says the property is titled to "Bob and Betty Bigglesworth", they could construe that as the property changing hands and demand satisfaction of the loan at that time. My advice to you would be to speak with a Real Estate Attorney and see what your best options are. If you have any further questions I'd love to speak with you about them! Give me a call at (843)789-9860 or visit me on the web at http://www.TheBestRealEstateAgentInSC.com
or at http://www.youtube.com/jlcalvert2005.
Thanks Ann! Have a great day!