If I am not on the loan, and my husband dies, the bank can take the house away.
I felt so bad that my client today was so worried about this. A bank cannot “take away” the house or force you to pay the loan back if the borrower or even main wage earner dies. As long as you keep paying the payment they will take the payment. For protection of a spouse, I would put their name on title, or have them on the loan even if they do not earn any income.
That way they are on the documents, but not necessary for qualifying. If you know of anyone who is worried about any aspect of real estate, have them call me. The peace of mind is worth one call.