https://www.law.cornell.edu/uscode/text/12/1701j-3
自己看(d) Exemption of specified transfers or dispositions
(6) a transfer where the spouse or children of the borrower become an owner of the property;
如果两个主人是配偶或者父子母女关系,其中一人是贷款人,那么似乎是可以把贷款人房主换成他的配偶或者孩子。