My husband built a home in PA prior to our marriage. I want to have my name added to the deed. My husband won't do this unless I cosign when he refinances the mortgage. Is this in my best interest?

There are some points for you to consider. Only you can decide if it is in your best interest If your name is on the deed then it must also be on the mortgage. The bank must have all owners sign the mortgage so that it can take possession of the property in case of a default.

If only one owner signs the bank cannot obtain clear title to the property in a foreclosure If you are on the deed and mortgage you would each be responsible for paying the debt. If he stopped paying the mortgage or abandoned you and the property the bank would hold you responsible for paying the debt. If you didn't your credit would be ruined On the other hand, most married couples are on the deed as tenants by the entirety or joint tenants with the right of survivorship so that if one dies the other will automatically own the property Your husband has proposed a fair arrangement.

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