am i able to transfer mortgage to a non-family member?

NO.. all mortgages have a "Due on Sale" clause which means that if you remove your name from title, the loan becomes due and payable.. You can "Add" a family member to the Title so long as one of the original mortgage holders remains on title, there would be no issues, but you cannot transfer over a mortgage.. FHA & VA loans are assumable WITH QUALIFYING, meaning they would have to have good credit and provide supporting documentation such as tax returns, w2's, pay stubs, bank statements, etc.. The only exemption would be if you passed away, then your heirs would be able to take over your mortgage without having to qualify, but that's the only exemption.. Go Pat's!!! I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Anyone can make payments on the family mortgage, but the payment and credit responsibility remain with the original borrower. If you decide to proceed anyway, you may contact me at primefinancial@frontier.com, for assistance.

Both are good answers. If the person is on the title of the property for a seasoned period, most likely 12 months, at that time they can refinance it into their name, or do it as a purchase to whom you want to "transfer" it too.