不用上title，就可以按自住房貸。

我做過的，到時候父母要簽個東東，說自己買不了房子，準備住這個房子，要不要交tax form不記得了。然後就按自住房的利率貸款了。

https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B2-Eligibility/Chapter-B2-1-Mortgage-Eligibility/1104994911/When-purchasing-a-primary-home-for-a-parent-or-disabled-adult-child-how-is-this-submitted-to-DU.htm

Children wanting to provide housing for parents

If the parent is unable to work or does not have sufficient income to qualify for a mortgage on their own, the child is considered the owner/occupant.