In these days of internet experts, it seems that everyone is an expert on financing.
For the facts, speak with a mortgage expert recommended to you by a trusted friend.
Or you can call my guy:
Randy Wagner, RPM Mortgage
I have seen wives on the mortgage without the husband. And vice versa, mainly due to credit issues or legal exposure of a thrid party lawsuit.
I think whoever told you about this was confusing the title issue with mortgages.