Since "the Attorney" (I'm not sure who the attorney represents, you or the mortgage company) said you will have rights of survivorship it means that your state has laws that make it a community property state. This means that married people own half of all of their marital assets unless otherwise stipulated by separate agreement (prenuptual agreement or the like). That means that whether you are physically in title or not, you have a marital interest in the property.
If the attorney mentioned does not represent you, perhaps you want to speak with an attorney in your state or waite for another response from an attorney on this sight. You can even ask the title company's attorney for an explanation if you want.
Also, I would call the mortgage company and speak with a manager and ask them specifically, "If I am not on the purchase agreement or the deed, why do you want me to sign a quit-claim deed?" Tell them that one must first be in title to a property before one can quit-claim deed their interest to another. I know it sounds silly having to tell a mortgage company something they should already know. It's like having to tell an auto mechanic that blinker fluid isn't a real product. Let us know what their answer to that question is.
Finally, you have not answered: Is your wife getting first-time homebuyer money or some other type of bond money?