If there is a dispute later, the loan is valid and the house mortgage is also valid; The reason is that,

First, since the mortgage registration has been handled, according to the relevant provisions of the Property Law, the microfinance company did not know that the husband signed on behalf of his wife, so it obtained the mortgage right due to the provisions of the bona fide acquisition system;

Second, regarding the loan contract, if the microfinance company does not know that the husband is signing for his wife, then the loan company can claim that the contract is valid; Or the proxy signature can't be established, then after all, the husband's signature is true, and the responsibility of this contract is borne by himself, not by his wife. At this point, the contract is still valid;