She should run a credit report on she and her husband.
And she may go to the county recorder's office and do a search on her properties.
A title company or her favorite real estate agent may be able to provide this information as well through the title companie's search engine.
These searches require a login and pass word.
Institutional mortgage lenders would not allow a mortgage to be placed on the property without the spouse's knowledge.
Private mortgage would be a different story.... more