=========================================================== That is exactly what I am saying but if you title the house in your name only you won't even have to tell her you're taking the loan, you just go to the bank and get the loan and sign the additional security note on the house. If done early enough it can't be presented as dissapation. ===========================================================
If it is that simple in Florida, then go for it. In Texas you might have to do it more as I described, or the bank might not make you a loan if you are married, and you might be accused of "fraudulent conveyance" of the marital property in the loan. I know that here you cannot sell a house if you are married, even if it is titled in your name only, unless your wife signs a release of any claim of marital property. That is to say, the buyer can't get title insurance otherwise.
You know, you can freely discuss plans like these with a lawyer and, as long as you paid him for the consultation, he cannot divulge any of it to a third party under the attorney-client privileged relationship. The only exception to this is if your plans include any kind of violence or immediate theft or robbery. I wouldn't discuss this with a female attorney!