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Depending on the wording of the mortgage you may not be able to add her without their permission. Is there a particular reason you want her name on it?
Yes, just one of you being on the mortgage and both of you being on the deed can cause a problem in a divorce but just buying a house can cause a problem if there is a divorce. The court in a divorce does not have the authority to make any orders affecting the rights of the mortgage company since they are not a party. Also, let's assume your wife gets the house in the divorce, the judge can order her to get it financed in her name but if she tries and is unable to do so, then there is really nothing the judge can do about it so you're back in the same situation where if she doesn't pay then you have to in order to protect your credit.
What is key is when the property was obtained, before or after marriage, not whose name is ***** ***** deed. If the property is acquired during marriage then it is presumed to be community/marital property. If it was acquired when you're not married then it is presumed to be separate property.
I have to step away for about thirty minutes but will return after that. Please post any questions you have in this thread and I will pick up and continue when I return.