Would it be wise for me to put my name on my wife's condo mortgage (which she owned before we met) to raise my own credit score?
If a mortgage contract is between Spouse A and a bank, Spouse B cannot just be added to the contract, as simple as that may sound. Mortgages are not designed for easy addition or subtraction of parties. Therefore, to add (or subtract) a debtor from a mortgage the customary means for doing so is to refinance the loan. A mortgage refinance creates a whole new contract, and may include new terms such as changed debtors, a different interest rate, a new creditor, and a different pay-off date.