As long as the husband does not fight the divorce you should be able to file it yourself,
check out
www.legalforms.com
But if the husband wishes to fight, show up in court and argue property seperation or ask for medication or couseling first, there are all sorts of posibilities, if he fights it, you will need an attorney.
also yes they are right, in many states a person buying property has to have the spouse.
Also if the other party would die while still married, there are many liabilities since no legal seperation was done most likley and no divorce done.