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Co-signing a loan is a big step to take and and has the potential to adversely affect your ability to buy your own home in the future. It's an obligation that ends only when the loan is paid off or possibly refinanced. Consider carefully. Your husband can sign without consent but that isn't advised.
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The moral implications of offering up your house without your spouse's knowledge aside, a lender can't legally give you a mortgage without his or her consent. If you wish to get a loan on the house you occupy as your primary residence with your better half, they will have to either co-sign or consent to the deal. The reason behind this process is that losing that property in the event of default will significantly impact your spouse as well as yourself.
The fact that you had no knowledge of your husband's signing as a co-signer on a loan is not as important as the state that qualifies as your legal residence and if it is a common law or community property state. Your liability for your spouse's debts in great part depends on whether you have legal residency in Tennessee.
There is a very simple way to check and see if someone is signing your name without permission – check all three of your credit reports. If you are listed as a co-signer on a loan, it will show up on one (if not all three) of your credit reports.
Your husband would most likely be able to sign with his parents on a Loan without your signature. It would be best to contact an attorney to determine the exact legal outcome of this. State laws vary as well so that may have an effect on the legal outcome of this situation.
I see, so this is on another person's loan. Yes, he has the freedom to cosign without your permission. Each spouse has the power to enter into contractswithout the consent of the other spouse. This is why you can apply for a credit card without permission from a spouse.