# @edwardcollins_upleveled on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DJ2AtphIzii
- **Gondola URL:** https://gondola.cc/posts/35104119-edwardcollins-upleveled-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/e4c41b1a4a.jpg
- **Posted:** 2025-05-19T17:43:56.000+00:00
- **Account Owner:** Edward Collins | Money Lawyer & Wealth Strategist (@edwardcollins_upleveled) — https://gondola.cc/edwardcollins_upleveled

## Caption

Can You Transfer Your Home Into a Trust Without Tipping Off the Bank? 

Yes. 

But would I do it this way? 

Not exactly. Here’s why: 
 
If you’ve got a mortgage, you might’ve heard about the due-on-sale clause—that scary little sentence that gives your lender the right to call the loan due if ownership changes. 
 
So naturally, some folks ask: 

Can I move my house into a trust without notifying the bank? 

✅ Technically yes. 

❌ Strategically? Not my preferred move. 
 
Because if the transfer is part of your estate planning strategy, there’s a federal protection built just for this: 

The Garn-St. Germain Act. 
 
It prohibits a lender from invoking the due-on-sale clause if: 

✔️ You transfer the property into a revocable trust. 

✔️ And the beneficial interest stays with you (the original owner). 
 
So there’s no need to hide it from the bank—so long as you’re structured correctly and acting with the right intent. 
 
But here’s the real issue: 

📄 Quitclaim deeds. 
 
They’re often used in these strategies—but I don’t love them. 
 
Why? 

➡️ They provide no warranties. 

➡️ They clearly signal an internal transfer. 

➡️ And if anonymity matters to you (as it does for most high-level entrepreneurs), a quitclaim deed can work against you by revealing more than you think on public record. 
 
If someone sees: 

“Person A transferred property to Entity B via quitclaim”… 

They’ll know this wasn’t a third-party deal. 

That compromises the anonymity that many of my clients are intentionally building into their asset protection plan. 
 
Bottom line? 

The move may be legal… 

But that doesn’t mean it’s optimal. 
 
If you want to learn the real rules of the game when it comes to protecting assets, preserving anonymity, and playing offense with your estate plan... 
 
👇 Drop GOB in the comments and I’ll send you a free training. 
 
 — 
 
Credit (TikTok): Brandon Brotsky – branthemortgageman 

 SF0682

## Stats

- **Views:** 69
- **Likes:** 617
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- **Comments:** 266

## Credits

These are the roles credited on Gondola. Credits may be incomplete.
A brand, account owner, or featured person is not necessarily the creator.

| Name | Username | Profile | Role |
| --- | --- | --- | --- |
| Edward Collins | Money Lawyer & Wealth Strategist | @edwardcollins_upleveled | https://gondola.cc/edwardcollins_upleveled | Talent |
| Hector Garcia | @Hector_FilmSchool | https://gondola.cc/Hector_FilmSchool | Content Producer |

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