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This really is a question for a California attorney specializing in family law (specifically divorce). However, you aleady have a problem with the house in that you signed the Interspousal Deed and agreed that the house is his separate property. To the extent that community propery assets (his wages) have gone to pay the mortgage or seriously improve the house, then you "might" (but this is not a certainty) have some claim to a portion of that money in the event you divorce, but not necessarily to the house because you have agreed that the house is separate property (but this is a much bigger discussion that will consider the community assets and separation of those assets, the increase in the value of the house, etc.). Not knowng what the Power of Attorney says, it is hard to say whether your situation will be even worse. On the other hand, I am assuming your husband is trying to refinance to take advantage of lower interest rates to have smaller mortgage payments, which would likely be beneficial to your family. Seek out a California attorney with this specialty.