Should the husband and wife be on the mortgage when both are on the title

Yes, in PA the deed, title and mortgage must match exactly.

Not necessarily.. But understand that laws vary from state to state.. Husband and wife can be on the deed even if only one is on the mortgage, however the deed change takes place after the loan has closed. In other words, you close on the loan where only the borrower is on title.. but then after it closes, the borrower deeds the property to both them self and the spouse. However, if you both are on the mortgage, then you both must be on the deed.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Depends on your state. Other answers say PA it is required. Here in Minnesota, you can do it either way. You can be in title and not be one the loan.