Can a bank transfer or add a spouse when a mtg is paid off..

[Mike]

HiOur mtg is going to be paid off in one month..My husband and I were told that the bank can with the right transfer form add my name onto the title and deed..We sent all the forms back to them..Iam on our homeowners insurance, tax forms, etc..but not on the mtg..we filled out all the forms from the lender, I was on one part of the deed, typed part but not written..I sent everything to the bank..and we requested I be put on the deed as quit calm deed..I am disabled and want to make sure I can live in the house if something should change between my hub and I..we also have a 8 year old son..I want all to go to him later on..how do I do all of this so Iam covered..Will changing over the deed effect my social security at all..Iam disabled..we do have high debt too..so alot of issues going on..thanks..is this a correction with the deed or change..Iam confused..My hub is giving me problems lately too with paying things on the house..I have paid all the utilities but falling behind now..any advice is great..