I agree with Truff - in addition, check with your title company. For instance for my local title company:
If legally seperated, but not legally divorced, they require that both sign the mortgage. They are still husband and wife.
If quit claim deed has been done - doesn't matter - they are not "single individuals'
The only way around this is if legally separated to have the one leaving the mortgage and title have drafted and signed an Alienation of Homestead.
Going to church doesn't make you a christian any more that standing in your garage makes you a car.