You may have a lender require that the party that is NOT on the mortgage "application" sign the actual mortgage instrument along with being on the deed and the title. The person not qualifying on the mortgage "application" that wants to be on the deed would be left off of the Note. You didn't state if you are the person not going on the "application" or if the signifcant other is the one not going on there. If you are the one who will be on the mortgage "application" and qualifying - just be very careful because you are then liable for the repayment of the loan if the home gets forclosed upon. Then again, mortgages aren't my specialty so I would double check with your lender. Just make sure you are protected in the event of a foreclosure or parting of the ways with a significant other.
Angela "Angie" Allchin
Century 21 Rauh & Johns
856-582-0366 x 172
I reached out to my mortgage folks and they confirmed that this is done often and for a variety of reasons, but it is done.
I don't think marital status matters but do talk with your attorney to be sure that title and all related papers are set up properly.
Good luck - great time to buy a home!
Search and connect at http://www.feenick.com
This is perfectly normal in NJ. In fact we have work with a hand full of clients that did just that. Maybe you should seek a second opinion from another attorney.