How should I take title with husband and co-signor?

[Bridget A.]

My husband and I are buying a property with my father in law as the co-borrower. He will be on the title and own 1/3 interest. My husband and I are putting in all the equity and making payments. We can only qualify with the father in law as the co-borrower until we eventually refinance and remove him from title.

My question is how should we take title? We can either own the property as joint tenants or my husband and I own our interests as community property and the father owns his interest as a joint tenant? Escrow said the latter is not possible but I heard from an attorney it is an option. 

Thoughts?