I wouldn't trust it if my name was only on the mortgage. You need your name on the title only not the mortgage to stake a claim to the property. While things are rosy right now with your husband later on down the road I foresee a ton of problems. It will depend on your state whether you may own the property 100% if your husband should pass away. That said some states will give only an elective share which would mean peanuts. At any time your husband may add your name. Your husband if he loves you would want to protect you. If you divorce the lack of your name on the title may come into play. The way it is today means you will get lousy credit if you miss a payment on your house, however, the clincher is you don't OWN it. Lesson learned.