<prompt> Human: My wife and I own a home. Our both names are on the title. Hose mortgage is in my name.I recently learned she is trying to obtain a home equity mortgage without telling me about that. While I will try to reason with her, what can I do to prevent her putting our hose as a collateral for a loan?  <response>: The exact answer depends on how the property is owned and your state laws, heres something that addresses it:The longer or shorter answer depending on your perspective is that this is an rrelationships problem, not a finance problem. 