You can add your wife to the title if you want her name to be on it, but there is no reason for you to refinance your mortgage just because you are getting married. Now, if you can get a better mortgage you may consider it, but be sure to review the total cost of refinance and terms of new mortgage to make sure that it makes sense. Just getting lower payments would not automatically mean you are getting better deal, when you refinance you are likely to extend the time and the total cost can be higher.
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