when my husband and i get married, will i be added to the mortgage legally or is there steps i must take

No. You wouldn't be automatically added to anything. You could go to a local title company and they could assist you with a quit claim/survivor deed(s). That would add you to the property as having rights/ownership. If you wanted your name on the "Note" or the mortgage, he/you would need to do a full refinance to get your name on there. -- Although, you are in Florida so you may have slightly different laws (concerning rights to property once you're married). Last, I believe you all are a "Dower" State (like Ohio) so if he ever wanted to refinance again or sell he couldn't do so without your presence (once you're married). You'd just sign a couple pieces of paper. Still wouldn't add you to the mortgage/deed unless/until you actually applied and were approved on a new loan with him and/or if a quit claim deed, survivorship or some other type of deed was done. Best of luck with everything, Kimberly Lawson. Mortgage Loan Originator (Ohio only). Contact and licensing information can be found on my profile.