My wife and I reside in New York State. When we refinanced our house in 2004, the mortgage finished up in my name only. From what I know, my wife was “removed from the title” but she is still listed on the deed. She is wants to make sure she retains legal right to jointly own the house in event of death or separation. What is the best course of action to make sure she retains rights to the house, even though she is not reliable for the mortgage?