说得有道理，但是

你说得对，但是楼主或许可以参考以下法律，做一个argument。可能不是他自己可以DIY的。

 

背景：一般来说，如果有贷款的房主把房子的拥有权改变，贷款公司有权收回贷款。但是联邦法规定，如果是直系亲属赠与或者继承等特殊情况，贷款公司不能收回贷款，这个叫做mortgage due on sale 的exception。

其中一个exception，就是把房主从个人改成同一/二个人的living trust，mortgage公司不能recall 贷款。

规定如下

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

写封信大致如下

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.