Three years ago my mortgage (loan & property solely in my name at that time) changed hands from me to my husband when we tried to re-finance. I am not sure if it was a true re-finance since he was not originally on the loan. Although I am still listed as an owner of the property (along with my husband), he is now the only one on the mortgage. I have read that it is important to have a mortgage loan to build/improve credit and am wondering if I should try to get my name back on the loan now, and if so, what is the best method of doing that? Would I need to refinance again with both myself and my husband as co-applicants?
