Legal Question in Wills and Trusts in Texas

The house is your separate property. Adding your wife to the refinanced mortgage does not affect this characterization. If a divorce were granted, the Court would be able to make what is known as a "just and right" division of the property that you share. When making that determination, the Court considers several things. Among them would undoubtedly be the mortgage payments, which I would assume were made using income earned by you and/or your wife during your marriage. Since this income is community property, and it is used to pay down the indebtedness of your separate property, the Court would have to consider the balance of equity when it makes its division of the property, and it may very well use other marital property assets to offset the benefit that your separate property received from the community funds.

I sincerely hope that the marriage can remain intact if that is your desire. If it isn't, you need to have a serious conversation with a divorce lawyer outside of a public forum like this.