Just deed it to yourself and her
Just quit claim your interest from you to Yourself and your wife as however you wish to hold title, If you pay the mortgage I dont think the mortgage holder will ever know or care. They dont check or get informed. Dont ask the mortgage holder they will just either be stupid, wont know what to do or tell you no. You can deed your interest to whomever you like, hell give it to mickey mouse,or me, the mortgage holder is always secured.