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let's talk for a minute about people who are married and are buying real estate in arizona i can't tell you how many times this comes up here's the scenario you have a couple who are married and one spouse is going to be on the home loan but the other is not the question that the lender is going to ask is okay so you're married and you don't want your spouse on the home loan but do you want your spouse on the deed of trust there are two scenarios to address depending on that answer scenario one the spouse is not going to be on the home loan but is going to be on the deed of trust if that is the answer then you will prepare the purchase contract in both of their names because technically they're both buying the property on the pre-approval letter we will note that so-and-so is not going to be on the home loan but so-and-so will be on the deed of trust or the deed will be in both of their names the second scenario is the spouse is not going to be on the home loan and that the person qua...