My spouse and I are applying for a new mortgage and my lender looked up our credit scores and suggested that the mortgage is done only for me and not include my spouse as my score was in the top bracket. She is earning as well and i wanted to understand the risk of taking mortgage only on me:
1 - will we end up having issues filing for taxes jointly and show deductions etc?
2 - will there be issues with joint ownership (title) if the mortgage does not include us both?
3 - any other risk/benefit

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1 - no.
2 - no. You can put her on the title if you want without her on the mortgage.
3 - the only real risk is that the debt is yours 100%. They won’t come after her if the loan isn’t paid for some reason.

We’re on our 4th house at this point and I’ve bought every one of them myself. My wife has been on all the titles because I don’t want there to be a problem if I die.

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This. Okay it’ll get the best rate but your wife’s credit score will bring it down

Yep, +1 to the risk being 100% yours to pay off. However, if you ever get divorced in certain states she maybe able to get 50% of the real estate because her name is in the title. Even without being on the title, if she can prove she paid for part of the mortgage, she maybe entitled to the property upon separation.

You can create a post-nup if you’re really concerned about this. Contact a lawyer to get advice.

This happened to family. Me, my wife, and both my parents bought a house. Their credit all sucks so it’s in my name and we got stellar rates as a result. They are all named on the title/deed

Answers to your question as someone who did this:
1 - no issues. Mortgage is just the loan
2 - no issues. Mortgage is just the loan
3 - no issues. Mortgage is just the loan

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