The answer depends on the laws in your particular jurisdiction and when the property was purchased.
If they are on the deed to the home, yes.
No, you can't use your spouse's income on a mortgage loan if she isn't going to "sign" it as a co-borrower. Only the incomes of those who sign for the loan are considered.
If your spouse is going to be on the loan, then yes it does matter.
Yes there are... if the person that is on the mortgage dies in a car wreck or something then the spouse will have a difficult time claiming the house unless the house was put in a will to the other who isn't on the mortgage. The house could go in default of payment and the spouse not on the mortgage wouldn't necessarily know about it.
A normal mortgage is borrowing money to buy a house. A construction mortgage is when you own a house and borrow money against the house for repairs or renovations.
mortgage
How do you do bridge loan when there is no mortage on one house?
A mortgage loan is obtained when one is purchasing a house. In return for using the value of the house as collateral, a mortgage company will provide a loan for the remaining balance.
It is false. A mortgage is a secured loan. The house itself is the security.
Contact the mortgage company. They may work out a new loan in your name. It may be necessary to contact an attorney about your rights in your specific state.
You don't. A second mortgage is a secured loan, just as the first morgage. The difference is the first mortgage holder has priority if it involves a lien against the property or foreclosure rights. The only option is to try to negotiate with the lender for reaffirmation of the loan
house documents are mortgage and title deed at register office
The home is simply collateral for the loan. Regardless of what happens to the vesting of the property (legal ownership) you are still liable for the loan. If a court awarded the home to a spouse, the loan should have been refinanced into their name. If that did not occur your liability for the loan has not changed.