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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Some PPs got mortgage and title confused. If one spouse has a bad credit score, it may make sense if only the other spouse takes out the mortgage, that is: is liable for the loan. But that does not prevent the spouse with the lousy credit score to be on the title.

In fact, for a married couple this is the smart thing to do. With both spouses on the title you have a "joint tenancy". Should one of you die, the other automatically gets the to be the only owner of the house. The share of the deceased does not go through probate but "dissolves".

Also, in case there will ever be a divorce, you will want to  be on the title.

Foreign citizens can be on the title. If they qualify for a mortgage depends on the circumstances. But they still can be on the title, of course.[/quote]

OP here, thanks for all the responses...

My brother married a foreign citizen a  couple years ago,  his wife does own a business here in the US (not a law firm!) but she is still not a US citizen.   They bought a house a few months ago, a few weeks after they had a baby.   Today, I was going to mail a Christmas gift to the baby.   I had lost their address (with email/phone/facebook, etc--it's not like I've really used their home address often in the last few months!) so I just googled my brother's name and the name of the town they bought in to see if I could find out the address.   The google search gave me a page from the title company they used, which showed the address and only listed my brother's name, not his wife's.    I just thought that was odd.

I know with my husband and I--I am SAHM with technically no income--so his name is the only one on the mortgage, but both of our names are on the title--specifically because of what the PP I quote said--if my Dh was to die, I don't want to "inherit" the house and have to pay an inheritance tax, etc. on it.[/quote]

OP, is this is the source of your question, you may just be mistaken. online records sometimes list only one owner. I checked the online record of our home, and it only lists my husband as the owner, even though we are both on the deed (and on the mortgage). I checked our neighbors and again only one spouse is listed. so your SIL might aw well be on the title even though the online record does not reflect that[/quote]

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