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When do they plan to marry?
Will the fiancee cooperate?
What do you mean when you say you thought a warranty deed was the answer?
Typing. Thank you for your patience.
Thank you for the additional information.
Yes, until they are married, making any change in title would trigger a breach of the "due on transfer" clause and allow the lender to call in the entire amount owed.
After they marry federal would preclude the application of the due on transfer clause to a spousal conveyance.
Until the marriage, they may want to enter into a written contract or cohabitation agreement in which they acknowledge her "equitable" interest in the property and state that she has a right to share in the proceeds of any sale or other conveyance of the property.
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