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Yes, this can be done easily.
You approach it by either going to your bank and telling them you want to do it or going to a mortgage broker and telling them the same.
You're making this a whole lot more complex than it needs to be.
By the way, you want to refinance to get a better rate, not necessarily add your wife. That can be done without refinancing, and honestly doesn't need to be done at all. In the absense of a prenuptual agreement, courts usually assign co-ownership to the spouses automatically.
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