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.
