說得有道理，但是

你說得對，但是樓主或許可以參考以下法律，做一個argument。可能不是他自己可以DIY的。

 

背景：一般來說，如果有貸款的房主把房子的擁有權改變，貸款公司有權收回貸款。但是聯邦法規定，如果是直係親屬贈與或者繼承等特殊情況，貸款公司不能收回貸款，這個叫做mortgage due on sale 的exception。

其中一個exception，就是把房主從個人改成同一/二個人的living trust，mortgage公司不能recall 貸款。

規定如下

https://www.law.cornell.edu/uscode/text/12/1701j-3

(d)Exemption of specified transfers or dispositionsWith respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon—
...
(8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or

寫封信大致如下

12 USC 170 prohibit mortgage lender from recalling residential mortgage when "a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property;"  

Similiarily in our case, our transfer is a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property.  

 

 

所有跟帖： 

• 是難看，但是不是取消不掉的。 -檸檬椰子汁- ♂ (0 bytes) () 09/18/2023 postreply 08:20:11

• HOA當然可以enforce，戶主和HOA有合同關係，必須遵守公約，否則罰款。 -檸檬椰子汁- ♂ (0 bytes) () 09/18/2023 postreply 08:19:35

• 我沒有說我的建議肯定成功，我是說按照這個思路去狡辯。 -檸檬椰子汁- ♂ (2064723 bytes) () 09/18/2023 postreply 08:29:44

• 正確。 -跟潮哥聊退休- ♂ (0 bytes) () 09/18/2023 postreply 08:24:50