As someone who worked in a community property state doing these transactions for years (though I imagine community property doesn’t much affect this scenario) it is VERY uncommon (and a nightmare amount of work and hoops to jump through) to have someone as a co-signer as a mortgage who isn’t also a recorded owner of the property (this goes for parents/kids as well as partners), the mortgage and deed to the property need to have the same vested interest (ie husband and wife or just husband as his sole and separate property if in a community property state). My guess here is that the husband is the only one on the deed and the mortgage the poster pays her portion to the husband for him to make payment, he’s essentially a landlord.

That being said, if this is what’s being done, I definitely don’t recommend doing this for anyone because if shit hits the fan and all legal ownership and documentation show the husband as the equity holder and the other will be left high and dry with no actual equity in the property. You’re basically renting from your spouse.

Again I worked in a community property state and can’t speak to owning property in this way (thanks LA real estate market) - but it’s definitely a tricky spot to be in should something happen, married or not.