When the mortgage is only in your name, even if the ownership is shared, the bank still has control over the loan terms.
If something happens, your spouse might inherit your ownership share but not necessarily the loan.
Some lenders are flexible if the surviving spouse keeps consistent payments, but others force a refinance.
It’s one of those gray areas that depends on how the documents were drafted. I actually worked with Underwood Law Firm when my partner and I were trying to fix a similar setup, the house was in both our names, but the mortgage was only under mine.
They helped us restructure things so that if something ever happened to me, there wouldn’t be any issues with ownership or refinancing. I’d talk to a real estate attorney now while you both can still make adjustments