Refinancing and spouse being added to home by quitclaim deed

My husband purchased our home 10 years ago, we lived in the home since then, we got married 2 years ago. Now we are refinancing, I am the bread winner because he lost his job. Since I was not on the title of the home the bank wants to do a quitclaim deed and add my name. Since the loan now will be in both names. Legally am I then 1/2 owner in the home at signing of this deed since we are married. I live in MI. Or am I just the owner of 1/2 the debt from the refinancing of the home? Thank you for...