My husband is buying his own home. His previous wife, who is deceased, still has her name on the bank loan. The bank won't allow me to be put on the home loan as his wife. However, we have 50% ownership share in the land, registered with the State Revenue Office. If my husband was to die, he was told that the bank would sell the home at market value to re-coup the outstanding mortgage. (The bank never put insurance on my husband's life when he took out home loans).I want to know where we stand now as to the existing loan, and having my name added to it because we are getting older and the chances of re-financing are probably slim.