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so you want to pull the equity out of this one dwon the track and use it for another? You dont have to have your name on the title to do that, just get your other half to pull it out and give/lend it to you. If your on title, your on the loan. If your on the loan, your borrowing capacity is...

Why do you want your name on title? The short answer is no, most lenders will only want the same people on the loan as the title. They are worried if you decide you want to sell, what happens to their mortgage? Some might let you be guarantor for your wifes loan, and therefore have both names...