if he is of sound mind, he can make a transfer to her via a quitclaim deed; if he is not of sound mind then there is not much that can be done.
But under the federal Garn-St. Germain Depository Institutions Act of 1982, a lender is prohibited from enforcing a due on sale clause in certain cases, such as where the transfer is to a relative upon the borrower’s death. So if the will leaves the property to the surviving spouse and she intends to reside in it, then the lender cannot charge her an additional fee for her to assume the mortgage (many will try, but when you quote the federal act they will be aware that one knows their rights).
The Act was passed to protect surviving spouses (and other relatives) from the acceleration of the due on sale clause.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.