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Yes, you can transfer the house without causing an acceleration of the mortgage. The assignment of the property to your son will be subject to the lien securing the existing mortgage so if the monthly payments are not made, the lender would have the right to foreclose on its lien on the property. But, pursuant to the following Federal law, the lender cannot accelerate the loan due to the transfer:
12 U.S. Code § 1701j–3 - Preemption of due-on-sale prohibitions
(d) Exemption of specified transfers or dispositions
With 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—
(6) a transfer where the spouse or children of the borrower become an owner of the property;"
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