if the wife owned a home prior to marriage and the spouse signed non vested spouse. does the home still belong only to the wife.

Never get a second mortgage --- only if you want to keep your house. 2nd mortgagees can foreclose on you

The lender (mortgagee) keeps as much as authorized to cover the remaining loan, costs, fees and penalties under the mortgage and turn over the remainder to the next secured lender, if any, or tax authority with a lien, and so forth, until the only one left is the mortgagor (borrower).

You or your lawyer should negotiate the date of surrender. You will not usually have long, but some mortgagees may be willing to let the bankrupt stay if the pay a "use and occupancy" fee in lieu of rent. Again, only until they can finish whatever needs to be done to sell the house at auction.

Since the purpose of a lis pendens is to alert future purchasers and/or mortgagees of a property about a lawsuit affecting the property, it cannot be filed in cases where there is no lawsuit. A lis pendens recorded with no reference to a pending lawsuit has no legal impact on the property and can be ignored.