Your fact pattern is unclear and does not add up. If your in-laws are funding the house, your husband can not own the mortgage. If you are making all the payments, your name should be on the title. Talk to a real estate attorney before signing anything.
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You really need to be on the title please be careful and work with a local attny, take care.
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Three out of state attorneys, competent though they may be, have definitely missed the point here. Idaho is a community property state. Property acquired during a marriage is presumed to be community, but that presumption can be overcome with documents that provide otherwise. That is clearly what you in-laws are setting up. You are mixed up on your terminology. The quitclaim deed will give up any claim you might have to the house by virtue of your marriage, and in the mortgage agreement your husband appears to be giving up the right to share the ownership with you at any time until the mortgage.
Whether this is a deal you are willing to make is something you will want to discuss with experienced local counsel. You cannot make an informed decision in your own best interests until you understand what your inlaws are proposing to do.
Best wishes for an outcome you can accept, and please remember to designate a best answer.
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