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The law is that the house belongs to your spouse. However, if you were to separate you would share equally in the value of the house even though your name is ***** ***** title.
Even though your name is ***** ***** title your spouse cannot sell the house without your consent because you have a right to occupy the home because it is a matrimonial home.
You cannot control what happens with the money because the money was loaned to your spouse and not to you. I'm sorry about that.
Let me know if you need any further clarification.
You can certainly ask your spouse to add your name to the title. That is the most common way to that spouses hold title.
If your name is ***** ***** loan then you would be liable if your spouse defaults. But if your name is ***** ***** loan then you are as entitled as he is to use the money.
If you only had you can consent to him getting the loan then you cannot use the money but you will not be liable.
If you signed as one of the debtors then if your spouse defaults you will be liable for the loan just as he is. But if you signed as one of the debtors then you have as much say in what happens with the money as he does.
But, if you simply consented to him being able to get a loan secured by the house then you cannot control the money but you will not be liable if he doesn't pay them.