This could potentially even make refi a difficulty down the road.
Banks will sometimes add someone to a loan (like refi-ing from wife to husband and wife)but I have not seen them remove someone from a loan except for a sale.
Doing a sale from parent to child will be tough because it is not an arm’s length transaction.
You owe it to yourself to investigate the transfer scenario now.
It is possible lending standards will change prior to that time (as they have in the last 3 years) but you owe it to yourself to know the options going in at least.
