I don't think it would make any difference what account the savings are in from the mortgage standpoint. Since you are still married, anything in either name would still count, I expect. On the other hand, since he didn't tell them about that account, since it didn't exist, they might not see the money. I understand why you want to do it. I'm not worried about him getting upset, but do you want to risk slowing down his getting the house?
