<prompt> Human: Long background story: Im Indian and I moved here about 10 years ago for college. I took 5 years to graduate and my parents paid my tuition plus room and board, etc. My mother paid my rent around 450 bucks a month plus maybe 100 bucks for food and expenses every month and my father paid tuition around 3.5k per semester.I spent almost a year looking for a job after graduation while staying with my mother rent free, but I finally got a job and moved to a new city. I started paying her 300 dollars every month out of my paycheck as that was all I could afford with my salary.Fast forward a year, my mother considers buying a new house. She already pays mortgage on one house, thats now rented out and stays in another house with her current husband. She wants another house because she hated the one she stayed in and the one shes been eyeing is apparently a good investment near a river, developing area, etc.Around this time, I got a job working at a much bigger company for a larger paycheck. However, I was facing a 2 hour commute everyday and I really didnt want to deal with the extra stress of arguing with my mother about the need for a THIRD house, so I went ahead with it mostly out of guilt of bumming off her for so long. I said I would cosign on the home loan initially she wasnt approved for the loan because of her outstanding mortgage, but I ended up having to buy the house in my name with a FHA loan.This was a huge mistake if only for the complete HEADACHE that is buying a new home. I was going completely insane by the ridiculous requirements put forth by the damn underwriter. I was working almost 10 hours a day plus commute, and I just wanted it all to be over so I signed whatever papers they sent my way and sent it back in. 2 months later, I was the happy owner of a new home 3 hours away from where I lived. I gave my mom 3k to put towards the down payment, but she actually wanted my entire savings. I somehow convinced her to back down and just accept what I could spare.The original agreement was that Id put in about 300 out of the 1,100 dollars on the mortgage for this house and shed pay the rest. I wouldnt be living there of course and the house is in both our names, but the 274,000 loan is entirely on my head. There was no agreement on me getting any sort of equity on the house. This is her house with the loan just in my name.Now this is where things get really messy. I lost my job around October of last year. By this point, she had made around 3 mortgage payments from when they kicked in. I informed my mother that I had lost my job, and that she would need to make payments by herself until I can get back on my feet. 3 months go by, and around January of this year I start getting calls from the loan company. Turns out my mother hadnt paid the mortgage in almost 2 months, and I got a 30-60 day late notice on my credit report. My already shitty credit poor decisions with credit cards in college that I was working pretty hard to rebuild was completely trashed 680ish to 560ish and I now have an unpaid mortgage mark on my credit record.My mother was completely unsympathetic to this and insisted that maybe if I didnt lose my job and had made my side of the payments, she could have afforded the mortgage. I completely blew up on her and said some things I now regret, but we are sort of estranged now. The funny thing was she DID pay off the mortgage when I called her angrily inquiring about it, so she COULD have paid it if she wanted to. I dont know if she just didnt care or forgot, but the damage is done, and my credit is still poor but recovering slowly.I now have a much higher paying job and want to deal with this in the least painful way for both parties involved. Heres what I want to know: I will resume payments, keep my end of the bargain, and maybe pay a bit more than before, but is there any way I can transfer the loan back to her name? I dont want to take on this risk anymore and piss away any chance of owning my own home in the future, if its not already hopeless.Can I even get a home loan for myself in the foreseeable future? Am I going to be stuck in apartments the rest of my life? I moved to a city and the rent here is ridiculous.TL;DR: Bought a house in my name with FHA loan, missed two payments in a row. Want to know if I can transfer loan to my mothers name. Also can I get a home loan in the future?  <response>: sell the house. 