my husbans is applying for HARP loan only in his name because my credit is shot. could i be added later when my credit improves?

You can be added to the title to the home without being on the mortgage.. The only way to add yourself to the mortgage is to refinance... and if you think about it.. There is no logic in doing that.. if you can refinance now and take advantage of the low rates, and as a bonus not have the liability on your shoulders, they you should run with it.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com