不用上title，就可以按自住房贷。

我做过的，到时候父母要签个东东，说自己买不了房子，准备住这个房子，要不要交tax form不记得了。然后就按自住房的利率贷款了。

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.